Fast Caveat Loans

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 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