Finance question
Can I get a caveat loan for my business?
Yes. A caveat loan is fast, short-term funding secured by a caveat lodged over property you own. Because the security is registered quickly and the equity carries the deal, these loans can settle in days rather than weeks, often with no financials. They suit a genuine short-term need, then you refinance or repay from the funds you were waiting on.
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The short answer
Fast funding secured by a caveat
A caveat loan uses a caveat, a legal notice lodged against the title of a property you own, as the security. It is a lighter-touch form of property security than a full mortgage, which is why these loans can be put together quickly when timing is tight.
Speed is the point. Because the equity in the property carries the deal and the caveat is registered fast, funding can settle in days rather than weeks, often with no up-to-date financials required. That makes it a tool for a genuine short-term gap, not a long-term facility.
The exit matters as much as the loan. A caveat loan is designed to be repaid or refinanced once the pressure passes, for example when a sale settles, an invoice is paid or longer-term finance comes through. We structure it with that exit clear from the start.
When it fits
Where a caveat loan makes sense.
Speed matters
You need funds in days, not weeks.
Equity in property
Residential or commercial property you own with equity.
A short-term gap
A bridge until a sale, invoice or longer-term finance lands.
A clear exit
A defined way to repay or refinance the loan.
Why a caveat loan can move so fast
Lighter security
A caveat is quicker to register than a full mortgage, so deals settle sooner.
Equity carries it
With property behind the loan, many deals need no financials.
Built to exit
Short-term by design, repaid or refinanced once the pressure eases.
A real example
A builder needs $120,000 within a week to secure materials before a project settlement pays out. A caveat over a property with equity funds the gap in days, then the loan is repaid from the settlement. The equity carried it, with no financials required. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
How fast can a caveat loan settle?
Often in days rather than weeks, because the caveat is quick to register and the equity in the property carries the deal.
Do I need financials for a caveat loan?
On many deals, no. The property equity does the heavy lifting, subject to lender assessment.
Is a caveat loan long term?
No. It is short-term by design, meant to be repaid or refinanced once a sale, an invoice or longer-term finance comes through.
What property can secure it?
Residential or commercial property you own with equity can support a caveat loan.