Fast Caveat Loans for Urgent Funding
Fast, caveat-secured cashflow within 24 hours
Experts in strategic, short-term finance
What Is a Caveat Loan?
A caveat loan is a short-term business loan secured by your property. It lets you access capital without refinancing your existing mortgage. Instead, a caveat is lodged on your title, which gives the lender security without affecting your first mortgage.
You can borrow against the equity in a residential, commercial, or investment property, then use the funds however your business needs.
Why Choose a Caveat Loan?
- •Fast Settlement: Most loans are funded within 24 to 48 hours, ideal for urgent business needs
- •Flexible Use: No restrictions on how you use the funds: cash flow, tax debt, equipment, or anything else
- •Minimal Paperwork: No full credit assessments, long delays, or drawn-out applications
- •Keep Your Existing Mortgage: Your first mortgage stays in place; we simply add a caveat on the title
Common Use Cases
Businesses choose caveat loans when time, flexibility, and access to equity matter most:
- •Cover payroll or urgent supplier invoices
- •Bridge cash flow gaps caused by late-paying clients
- •Settle outstanding ATO tax debts
- •Purchase equipment or stock immediately
- •Fund a business expansion or acquisition
- •Manage emergency business operating expenses
- •Avoid foreclosure or refinance short-term debt
- •Seize limited-time opportunities that banks can't fund fast enough
Eligibility Criteria
To qualify, you'll need:
- •Property with sufficient equity (residential or commercial)
- •A clear business purpose for the funds
- •The ability to repay the loan within the short term
Caveat Loan Scenarios We've Funded
These are real situations where a fast, caveat-secured loan kept a business moving. Each links to a client success story where we have funded it.
- •Cleared an ATO debt and operating costs to pull a Sydney café back from insolvency
- •Stopped an ATO wind-up application with funding settled inside 24 hours
- •Met a next-day property settlement with $271,000 funded in 4 hours
- •Released $250,000 in working capital for a Brisbane café within 36 hours
- •Paid out an expensive private lender before default penalties hit
- •Delivered urgent funds in under 2 hours when timing was critical
- •Bridged a supplier payment deadline to protect stock and trade terms
- •Cleared mortgage arrears to halt enforcement while a refinance completed
Caveat Loans for Business Owners With Bad Credit
A caveat loan is the fastest thing we do, and it is often the only thing available to a business owner with a default on file and a deadline this week. We register an interest on the title and lend against the equity in the property, to 70% LVR. Credit history sits well down the list. No full financials, no tax returns, and funds inside 24 hours where the title is clean.
Industries We Service
Caveat loans for builders and contractors
A caveat loan is registered against your title rather than settled as a mortgage, which is why it can be in place in hours rather than weeks. The existing mortgage is not touched and does not need to be refinanced.
It is repaid when the progress payment is made, the job completes, or a longer facility takes over. This is the product for the deadline measured in days, not for a funding need that can wait for a settlement.
A caveat loan can help you:
- Meet a payroll that falls due before a progress claim is paid
- Pay a supplier who has stopped delivering to the site
- Cover a bond or security deposit due before a job starts
- Fund the deposit on a contract that will not be held open
- Act without refinancing or disturbing the existing mortgage
- Have funds in place in as little as 24 hours
A caveat loan is registered against your title rather than settled as a mortgage, which is why it can be in place in hours rather than weeks. The existing mortgage is not touched and does not need to be refinanced.
It is repaid when the progress payment is made, the job completes, or a longer facility takes over. This is the product for the deadline measured in days, not for a funding need that can wait for a settlement.
A caveat loan can help you:
- Meet a payroll that falls due before a progress claim is paid
- Pay a supplier who has stopped delivering to the site
- Cover a bond or security deposit due before a job starts
- Fund the deposit on a contract that will not be held open
- Act without refinancing or disturbing the existing mortgage
- Have funds in place in as little as 24 hours
"Caveat lending is one of the fastest tools in private finance, and it is well suited to genuinely urgent situations. By registering an interest against the title, we can move capital quickly based on the equity position. Where the property supports it and there is a clear repayment path, settlement within 24 hours is realistic, and we are always happy to help work out whether it is the right fit."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Case Studies
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
$700K Working Capital for a Technology Start-Up Settled in 72 Hours
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Caveat Scenarios We Can Help With
Explore the specific situations our caveat loans are built for, from urgent ATO and settlement deadlines to bridging finance, equity release, and credit-impaired scenarios. Find the case that matches yours and see how fast caveat funding can help.