Private Lending Solutions
Australia's Non-Bank Alternative
When The Banks Just Don't Give A Buck!
SECURED BUSINESS LOANS
Secured private business loans are very convenient for individuals or privately owned companies that need access to urgent cash capital without the need to answer a thousand difficult questions as to what the funds are being used for.
Funds can be deployed as immediate capital acting as an instant financial buffer at a time of fiscal urgency.
NO PROOF OF INCOME NEEDED
No-Doc caveat loans and private 2nd mortgages offer self-employed business owners flexibility not needing to provide any financials such as tax returns, pay slips.
This allows borrowers access to urgent capital for a variety of personal or commercial uses including trade capital, business loans, stock, plant & equipment, and even to pay out ATO tax debts, in fact any worthwhile purpose.
NO REPAYMENTS FOR 12 MONTHS
Caveat Loans Australia offers finance options that allow borrowers to pause their repayments for an entire year. That's right, no repayments for a whole 12 months.
This provides support through liquidity during the loan period, which is financial common sense. This allows borrowers time and the cash-flow breathing space they require to get their business back into shape.
PRIVATE 2ND MORTGAGES
A second mortgage is a separate loan that uses your home’s equity as collateral, without affecting your primary mortgage. Homeowners often choose this option to tap into their property’s accumulated equity without the need to refinance their original home loan.
This provides an instant release of substantial funding for major expenses such as home renovations, debt consolidation even commercial business use.
WAY FASTER THAN BANKS
Short-term private lending is much faster than mainstream banks because there are no rigorous lending rules compared to traditional banks.
The best part about private lending is it focuses on the real estate being offered as collateral instead of the difficult documents such as financials, which is why private loans are a quicker funding alternative.
NO TAX RETURNS NEEDED
Caveat Loans do not require financials, tax returns, or proof of income, and best of all, your credit rating is irrelevant.
So long as borrowers can offer real estate as security, funding can be approved within 24 hours for immediate access across a broad spectrum of personal financial circumstances or commercial deadlines.
WHEN THE BANKS SAY NO, WE SAY YES!
Rapid Hard Money Lending
24 Hour Finance Approvals
Self-Employed Loans Lo-Doc Loans
Instant Lending Australia-Wide
Business Caveat Loans
Personal Caveat Loans
Debt Consolidation Re-Financing
Sydney Brisbane Melbourne Adelaide
Private 2nd Mortgages
Lowest Caveat Loan Rates
Fastest Private Loan Approval
Mezzanine Debt & Equity Financing
No Credit Checks & Bad Credit Loans
Outstanding ATO Tax Debts Loans
Non-Bank Private lending Alternatives
Canberra Perth Tasmania Darwin
Private Loans Can Be Tailored
Secured Personal Loans
No Repayments For 12 Months
Secured Business Lines of Credit
Commercial Mortgage Facilities
Rural Mortgage Farm Acreage Funding
Equity Access Constructions Loans
No-Doc Working Capital Business Loans
CAN ANYONE QUALIFY FOR A CAVEAT LOAN?
The good news is that caveat loans are super easy to approve and offer genuine lending solutions for urgent financial circumstances that are up against the clock, such as private business loans, private bridging loans, private lines of credit, and even private mortgages.
Caveat loans are a straightforward short-term finance solution that can alleviate many of the problems one may experience at their local banks. Because the approval process is so much faster than bank loans, this often can reduce the borrower's financial loss because settlement deadlines can be met without loss of deposits or penalty interest.
And with Australia's major banks and lending institutions tightening their credit criteria, caveat loans are almost a temporary necessity due to the banks making financing nearly impossible to approve on time.
CAN I USE CAVEAT FUNDING FOR OTHER USES
Certainly. Caveat loans, private lending, and private second mortgages can certainly provide borrowers with comfort in knowing that if their local bank rejects them for finance, private caveat loans can be obtained quickly as a short-term interim facility acting as a bridging loan until such time their financial circumstances have come back into shape that the banks will later qualify and refinance back in.
Caveat loans appeal to a large audience of borrowers, be it high net-worth property investors who are frustrated with the banks or the mum-and-dad Australian real-estate owners who want to start up or expand a business, or make further property purchases. And while funding is available to just about any small to medium SME real-estate owner, private funding also appeals to the bigger end of town such as corporate & business property use up to up to 500M.
Private funding can be a lifesaver in genuine circumstances where an individual or company is unable to demonstrate proof of income or has a bad credit rating and needs an immediate flexible and rapid solution.
ARE CAVEAT LOANS FASTER THAN BANKS?
Yes. Caveat loans and private lending in general a key advantage in comparison to the major Banks in Australia. Getting approved is super easy which is a critical issue for people who are time-poor and have urgent deadlines to meet.
Loan amounts can be approved within 24 hours, with secured loan amounts accessible starting from $50K up to $100m, within a rapid turn-time, which is made possible because there is no need to provide proof of income or difficult documents, or the need to jump through a thousand hoops to be approved. Getting approved is super easy.
Banks often take weeks if not months to provide the funding to their customers which can be a deal breaker when you are up against the clock.
Caveat Loans Australia has created a suite of products that can be tailored for many scenarios across a broad spectrum of borrowers' circumstances catering to what may be considered outside the box of mainstream banks making the approval process way faster than traditional institutional lenders.
CAN I CONSOLIDATE ALL TYPES OF DEBTS?
Indeed, our simplified credit criteria mean that borrowers can utilize funds for various purposes, such as consolidating miscellaneous debts into one loan, one rate, and one predictable, eliminating the need to juggle multiple outgoings.
Best of all, when repayments are combined into what is known as a blended rate, instead of having different expensive loans due on different confusing dates that are all on higher rates, consolidating all of them into a blended interest rate makes your life simplified.
No more forgetting when what is due, missing payments and having to pay dishonour fees. This puts an end to messy and confusing budgeting, so long as the math is done correctly, could save borrowers thousands.
HOW ARE CAVEAT LOANS SECURED?
Caveat loans can be secured via the registration of a second mortgage or a caveat being registered as a lien on a property title, even if you have an existing first mortgage.
This allows borrowers to access funds through a second mortgage without needing to pay off their first mortgage, simplifying the process and avoiding the complexities of refinancing.
Typically, loan terms can range anywhere from 3, 6, or 12 months or more as required by the borrower, enabling property owners the ability to unlock their built-up equity within their property's real-estate title and can be settled extremely quickly for a variety of practical funding purposes.
For many, a second mortgage & caveat loan serves as a short-term bridging line of credit facility without the need to discharge your existing home loan.
CAVEAT LOAN ADVANTAGES
One of the major advantages of private lending is approval process is so much easier to get in comparison with mainstream lenders, additionally, there is no requirement to provide difficult information, and bad credit ratings are ignored.
This makes them ideal for urgent financial needs, like bridging cash flow gaps in construction projects, and absolutely anything that needs quick cash amounts starting from $50k up to $100m readily available without needing to jump through a hundred hoops.
And because we are less reliant on credit history than traditional loans, we won't ask you a thousand questions as to why you need the funds. Just some general basic questions over the phone are fine. It's that simple.
GENUINE SOLUTIONS FOR THE SELF-EMPLOYED
If you’re self-employed, you deserve a loan tailored to your needs.
That’s why we’re excited to offer new changes to our loans to provide you with more options and flexibility!
Having financed numerous SME self-employed borrowers over many years, we understand that the journey of self-employment can be challenging & complex.
That's why we spend the time to learn about you and your business as a person from your own words, not only so we can provide you with a suitable product, but importantly, so you know we are here to provide you with the support you need.
✔ Fantastic option for those who cannot verify employment
✔ Running a small or large business? No problem.
✔ Funding is specifically designed for the self-employed
✔ Funding can be used for business or personal use
✔ Lowest private lender rates Australia-wide
✔ Fast streamlined approval process
✔ Second to none tailored service
✔ We take the time to listen no matter how tricky your situation
✔ We understand the self-employed and commercial business matters
As a specialist private lending provider, we are dedicated to solving all our client's requirements, and is all part of a day's work. We genuinely love what we do.
Whether you’re looking to purchase or refinance a residential or commercial property, enhance your investment position, or even payout a tax debt, we can help.
AUSTRALIA'S TRUSTED PRIVATE LENDER
When obtaining specialist financial services, it is always paramount that a borrower not only look out for the most competitive rates. But also that they are obtaining funding for experienced and trusted industry professionals.
As an Australian-owned and operated organisation, we are proud to say that we hold over 50 years of combined expertise within the specialist banking and financial services industry.
This means that when you are obtaining lending information, you are receiving the most up-to-date current financial information available in Australia, in addition, that information is being provided in a compliant method of practice.
Our commitment to integrity and transparency sets us apart, as we work tirelessly to ensure our clients are happy, not just by securing funding approvals, but by offering exceptional customer support that is tailored to your individual needs while upholding the highest standards of professionalism.
When you engage with our consultants, you'll discover a supportive mannerism that demonstrates our dedication to understanding your unique story, hence allowing us to provide the most suitable finance option for your scenario.
Feel free to give us a call, or send us a message.
We look forward to speaking with every one of you in the near future.
As a duty of care, we remind anyone seeking private finance to seek independent financial & legal advice before deciding as to what's right for you.
WHAT ELSE CAN CAVEAT LOANS BE USED FOR?
You may consider a private caveat loan or a second mortgage for various reasons. Here are some of the situations we can provide lending solutions if you have not had much luck with the big banks.
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Purchasing a home.
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Renovating a home before selling.
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Funding for construction projects.
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Developing property subdivisions.
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Refinancing an existing mortgage.
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Paying overdue ATO tax debts.
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Business overdraft and line of credit.
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Unlocking large amounts of real-estate capital & equity
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Acquiring additional real-estate investments.
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Capital start-up for new business.
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Raising capital for self-employed activities
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Rural, acreage, farms, agricultural, income-producing, land bank.
Rest assured, if your purpose is not listed below, chances are we can still help.
Contact us to discuss a private finance solution customized to your needs.
LOANS FOR THE SELF-EMPLOYED
APPLY NOW FOR A FAST RESPONSE
To obtain a free loan offer please provide some basic information by completing the form below.