What Is a Caveat Loan?
A caveat loan is a short-term business loan secured by your property. It allows you to access capital without refinancing your existing mortgage. Instead, a caveat is lodged on your title — giving the lender security without affecting your first mortgage.
You can borrow against the equity in a residential, commercial, or investment property — and use the funds however your business needs.
Why Choose a Caveat Loan?
- •Fast Settlement: Most loans are funded within 24–48 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 lending is the fastest instrument in private finance. We're registering an interest against the title and moving capital quickly based on equity position. If the property supports it and there's a clear repayment path, we can settle within 24 hours. There's no other lending product that moves at that pace."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
