Fast caveat finance, settled this week.
Specialists in fast caveat and private lending.
Australia's fastest private lender for caveat finance. No mortgage registration delays — funds available within 24 hours.
When speed is everything, a caveat loan delivers.
No mortgage registration — funds available in hours
Unlike a mortgage, a caveat is lodged electronically and takes effect almost immediately. This removes the single biggest delay in traditional secured lending — Land Registry processing time.
Built for urgent, time-critical situations
ATO deadlines, settlement gaps, creditor threats, payroll gaps — situations where waiting 3–5 days for a mortgage to register is simply not an option. Caveat finance was designed for exactly these scenarios.
Our funds, our decision
We're a non-bank direct private lender. No broker chain, no credit committee. The person assessing your deal is the person authorising the funds — which is why we can move faster than any bank or managed fund lender.
Short terms, clear exits
Caveat loans typically run weeks to a few months — designed to bridge an urgent gap while a longer-term solution is arranged. No penalty for early repayment in most cases.
Testimonials from our clients.
"I've dealt with a lot of lenders over the years, and this was refreshingly easy. We received a caveat loan, sorted without the usual back-and-forth."
Owner, Import & Export Business
$680k · Caveat loan
"Stuck with tax debt that no one wanted to touch. Gino and his team didn't flinch and got it done."
Managing Director, Construction Company
$1.4M · ATO refinance
"Cashflow was tight and Gino moved fast to work out a bridge. Thanks SL."
Founder, Retail Chain
$420k · Bridging finance
"We were under the pump with suppliers. Secured Lending came through on a Tuesday, money in the account by Friday. Honestly quicker than I expected."
Owner, Small Retailer
$310k · Working capital
Scenarios we fund every week.
If your situation isn't listed, call us. We've probably seen something similar. All loans are for business purposes only, secured against real property.
Same-day emergency funding
A deal is closing today and finance fell through. A caveat loan can put funds in your account the same morning.
ATO or creditor pressure
Clear an urgent ATO liability, statutory demand, or creditor threat before it escalates — without waiting days for a mortgage to register.
Settlement gap bridging
Funds needed between property settlement dates. A caveat loan bridges the gap quickly with minimal documentation.
Urgent cashflow injection
Payroll, supplier payments, or working capital — access equity fast when business cashflow can't wait.
Short-term debt clearance
Pay down a high-cost unsecured debt or overdue account quickly, then refinance to a longer-term facility at a lower rate.
Deal or opportunity funding
A time-sensitive acquisition, stock purchase, or business opportunity where a slow lender means a missed deal.
Enquire today. Funded this week.
1. Tell us about the deal
Submit the 60-second enquiry. We'll review your scenario and come back with more information and an offer — usually the same day.
2. We say yes (or no) fast
No committees, no weeks of waiting. Because we use our own funds and do valuations in-house, we give you a clear answer within hours — not a maybe. If we can't help, we can connect you to another solution.
3. Funds in your account
Docs signed, funds transferred. Most clean deals settle within 24 hours of your first enquiry.
Real deals. Real settlement speeds.
Every case below represents a business that came to us after being declined or delayed by their bank.
Why businesses prefer Secured Lending.
Same-day settlement available
A caveat can be lodged within hours — no waiting on Land Registry mortgage registration. When time is the constraint, a caveat loan is often the fastest path to funds.
We fund complex, urgent scenarios
Creditor deadlines, ATO notices, settlement gaps, or deals that simply cannot wait a week — caveat finance is built for situations where speed is everything.
We fund with our own money
No broker chain, no credit committee in another city. The person assessing your deal is the one authorising the funds.
In-house property valuation team
Valuations done in hours, not weeks. We don't queue behind other lenders or wait on external valuers.
$250k to $10M range
We write caveat deals that other lenders consider too urgent, too small, or too complex to process quickly.
Sydney-based — speak to decision-makers
Not a call centre. Not outsourced. You speak directly with the team that can approve and settle your deal.
Funds today. Start your enquiry now.
Submit your enquiry or call us directly. Indicative offers issued same day. Same-day settlement available on clean deals.
$250k – $10M · From 9.7% p.a. · Same-day settlement available
Frequently Asked Questions
Still have questions? Our team is available by phone during business hours.
Call 1300 795 175Loans offered by Secured Lending are strictly for business purposes only. Applications are subject to credit assessment, property valuation, and satisfactory security. Terms, fees and rates vary by deal. Indicative rates from 9.7% p.a., subject to security type, LVR and exit strategy. Caveat loans are short-term facilities and are not a substitute for a registered mortgage on longer-term lending.