An urgent tax liability rarely arrives at a convenient time. It can hit while you’re mid-project, between settlements, waiting on a distribution, or holding assets you’d rather not sell. If you’re asset-rich but temporarily cash tight, a caveat loan can be a practical way to clear the ATO pressure fast, protect your position, and keep your longer-term strategy intact. Contact us today to discuss your scenario.
What a Caveat Loan Is and Why It Suits Tax Deadlines
A caveat loan is a short-term, property-backed loan where a caveat is lodged on title to help secure the lender’s position. In plain terms, it’s a way to unlock equity in residential or commercial property quickly, without needing to refinance your primary bank facility or sell an asset you intended to hold.
When tax is the problem, time is usually the enemy. A caveat loan is designed for urgent settlement scenarios, including an emergency requirement to pay the ATO within days rather than weeks.
- Covers tax debts without selling long-term assets, so you can stay invested and avoid forced-sale discounts
- Speed-focused process, often supporting fast, same day settlement or funding within 24 hours where the deal is ready
- Works as a bridging solution while you wait for a sale, refinance, settlement, retained earnings, or a seasonal cash flow upswing
- Can be structured as a secured business loan where property is the security and the use of funds is clear and time-sensitive
Used correctly, it’s not “extra debt for the sake of it.” It’s a deliberate short-term tool to remove immediate pressure and buy time to execute your preferred exit.
Why Tax Liabilities Become Urgent Even for Capable Operators
In Australia, ATO timelines and enforcement can move quickly once notices start landing. You can be running a sound business or portfolio and still face an urgent settlement requirement because:
- a payment plan falls over due to a temporary cash flow swing
- a large assessment arrives after a strong year on paper but cash is deployed elsewhere
- you’re waiting on settlement proceeds, distributions, or an invoice cycle that doesn’t match the due date
- you’re managing multiple obligations at once and need a clean reset
The risk isn’t just interest and penalties. The real cost is distraction, restrictions on future financing, and the loss of control if you’re pushed into rushed decisions. The right short-term facility can keep you in control.
How Secured Lending Helps You Act Fast and Stay in Control
When you come to Secured Lending for a caveat loan tied to an urgent tax liability, our job is to reduce friction and move quickly, without guesswork. We’re a private lender in Australia, we’re a non bank business lender, and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
We’re set up for time-sensitive scenarios. If you need private lender urgent support, you want a process that matches the urgency, and a team that can coordinate the moving parts.
We Structure the Loan Around Your Exit, Not Hope
A caveat loan works best when the exit is clear. That might be a property sale, refinance, business cash flow event, or a settlement you’re already committed to. We review your position, confirm the likely pathway out, and structure the term and repayments to match that reality.
This is where many borrowers waste time elsewhere. They get asked for the wrong documents, or pushed toward a slow refinance when they really need a bridge.
We Can Move to Urgent Settlement When the File Is Ready
If your scenario stacks up and security and documents are in place, we can work toward fast, same day settlement. In other cases, it may be funding within 24 hours. Timing always depends on valuation, legal sign-off, and how quickly the required information is supplied, but our entire approach is built around urgent settlement.
This matters with tax, because the difference between acting today and next week can change the outcome.
We Lend Against Property Equity, with Meaningful Capacity
Many borrowers facing an urgent tax liability aren’t short on assets. They’re short on time. With the right property security, you may be able to borrow up to $10million, depending on the asset, location, existing debt, and servicing plan.
Because we’re a non-bank lender, the process is typically more direct for short-term funding, especially where a traditional lender’s timelines don’t match the urgency.
Clear Pricing and Commercial Expectations
Short-term funds are priced differently to long-term bank debt. With Secured Lending, you can see the commercial logic clearly from the start, including an interest rate starting at 9.2% p.a (subject to assessment, security, and structure). The point is transparency and fit-for-purpose funding, not surprises.
Where Caveat Loans Fit in Your Broader Strategy
If you’re using leverage intelligently, a caveat loan can be a tactical move that prevents bigger long-term costs. For example:
- paying the ATO now to avoid escalating enforcement while you complete a refinance on better terms
- avoiding the sale of a quality asset during a soft patch in the market
- keeping a development or renovation moving, so you don’t lose momentum and value while dealing with tax pressure
The outcome you’re aiming for is simple: resolve the urgent tax liability quickly, then exit the short-term loan on your timetable.
How We Can Help
Secured Lending specialises in short-term lending that solves time-sensitive problems. If you’re dealing with an urgent tax liability and want a caveat loan structured to protect your long-term assets, we’ll review your scenario, confirm the security position, coordinate the legal steps, and arrange a path to settlement as fast as possible. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
FAQs
1. Can a caveat loan be used specifically to pay an ATO debt?
Yes. If you have suitable property security and a clear exit strategy, a caveat loan can be used to pay an ATO liability and stabilise your position quickly.
2. How fast can you fund for an urgent tax payment?
Depending on the readiness of the file, security, and documents, we may be able to support fast, same day settlement or funding within 24 hours. Timeframes vary by scenario.
3. What security do you accept for secured business loans?
We generally lend against residential or commercial property as security. The property, existing encumbrances, and equity position drive the structure.
4. How much can I borrow for an urgent tax liability?
In suitable scenarios, you may be able to borrow up to $10million. The final amount depends on the property value, existing debt, and the exit plan.
5. Is Secured Lending a bank?
No. We are a non-bank lender and a Private Lender in Australia, providing short-term finance solutions designed for urgent settlement timelines.
6. Do you operate outside major capital cities?
Yes. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and other locations subject to the property and scenario.
