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Quick Caveat Loans Australia private business finance 2nd mortgage self-employed urgent hard money commercial lending

CAVEAT LOANS

AUSTRALIA
Open Store Sign

Private Lending Services

Australia's Non-Bank Alternative

One Loan
One Rate
One Monthly Repayment 

Private lending eliminates the need to make repayments for up to 12 months. This means you can kick back, relax and focus on building your business with the extra cash flow. It's that easy.

Fast Equity Access 

Rapid Hard Money Lending 
24 Hour Finance Approvals
Self-Employed Lo-Doc Loans
 Instant Lending Australia-Wide
Business Caveat Loans
 Property Mortgage Lending
Debt Consolidation Re-Financing
Sydney Brisbane, Melbourne, Adelaide 

Business Loans 

 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

Commercial Lending

 Private Loans Can Be Tailored 
Loans For The Self-Employed
 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

SECURED BUSINESS LOANS

Secured private business loans are very convenient for individuals or privately owned companies that need access to urgent capital without having to answer a multitude of questions about how the funds will be used. 

Funds can be deployed as immediate capital, serving as an instant financial buffer during times of fiscal urgency.

NO PROOF OF INCOME NEEDED

No-doc caveat loans and private second mortgages offer self-employed business owners flexible lending alternatives as they do not require tax returns or financial documents.​​ This is a very popular option for borrowers who wish to access urgent capital via real-estate equity, not limited only to the use of trade capital, business loans, stock, plant or equipment loans, but for just about any worthwhile business purpose

PRIVATE 2ND MORTGAGES

A second mortgage is a convenient option for property owners to access their real estate equity, without affecting their existing 1st mortgage. This allows real estate owners the option to leverage the accumulated capital growth without disturbing their current first mortgage, subsequently be utilised for various purposes business expansion, property improvements, shop fitouts, ATO Tax Debts, commercial creditors, and much more. 

 

WAY FASTER THAN BANKS

Short-term private lending is much faster than mainstream banking because it operates under less rigorous lending rules compared to traditional banks.

 

The best part about private lending is that it focuses on the real estate being offered as collateral, rather than the complex financial documents, which is why private loans are a quicker funding alternative.

DELAY REPAYMENTS FOR 12 MONTHS

Caveat Loans Australia offers finance options that allow borrowers to pause their repayments for an entire year. That means no repayments for a whole 12 months.

This provides support through liquidity during the loan period, which is a common-sense financial approach. This allows borrowers time and the cash-flow breathing space they require to get their business back into shape. 

PAY ATO TAX DEBTS

Private Caveat Loans can be secured for many self-employed Aussies who are struggling with hefty ATO tax bills, especially in urgent cases where the ATO is not willing to provide sensible instalment payment plans.

Don’t let a tax debt cripple your business! Our tailored tax debt loans provide immediate relief for self-employed borrowers, serving as a financial lifeline to clear outstanding ATO debts. 

When The Banks Say No, We'll Find A Way!

ARE CAVEAT LOANS EASY TO APPROVED?

The good news is that caveat loans are straightforward to approve and offer genuine lending solutions for urgent, time-sensitive financial circumstances, such as private business loans, private bridging loans, private lines of credit, and even private mortgages.

 

Caveat loans alleviate many of the roadblocks that can arise when dealing with major financial lenders, including the slow pace of banks.

 

Private finance is significantly faster, reducing financial losses due to time wasted in idle periods, compounded by settlement deadlines that incur financial penalties if not met on time.

 

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.
 

ARE CAVEAT LOANS FAST & FLEXIBLE? 

Certainly, caveat loans, private lending, and private 2nd mortgages can be quickly approved and utilised for almost any legitimate purpose. This flexibility enables borrowers to secure funding even when traditional banks are unable to provide financing.

 

Caveat loans can benefit both small and large clients that require urgent bridging loans and cash access, which can be used as working capital until their financial situation becomes eligible for regular bank loans.

 

Private funding offers a genuine interim lending alternative that can help start-up businesses or grow an existing one, even provide additional funding outside the NCCP for the purchase of new real estate and property acquisitions.

This is where private or hard money lending comes into play, through our bridging loans that eliminate the need for excessive hurdles to access capital.

Australian Hard Money Private Loan Finance Application Information Brochure
3 Three Self Employed Australian Business Partners and Entrepreneurs Happily Signing A Private Mortgage Lending Alternative Contract In A Professional Office

ARE CAVEAT LOANS USER-FRIENDLY?

Yes. Caveat: loans and private lending in general have a key advantage over 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 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 tailored for various scenarios across a broad spectrum of borrowers' circumstances, catering to what may be considered outside the mainstream banks' box, making the approval process significantly faster than that of traditional institutional lenders.

AS A BUSINESS LOAN, CAN I CONTROL MY FUNDS

Indeed, our simplified credit criteria mean that borrowers can utilise funds for various purposes, such as consolidating miscellaneous debts into a single loan with a single rate and a predictable payment, thereby eliminating the need to juggle multiple outgoings.

 

Best of all, when repayments are combined into a blended rate, instead of having different, expensive loans due on various confusing dates with higher rates, consolidating them into a single blended rate makes your life simpler.

 

No more forgetting what is due, missing payments, or having to pay dishonour fees. How convenient would it be to have one loan, one rate, and one monthly repayment? It could save you 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 paying off their first mortgage, simplifying the process and avoiding the complexities of refinancing.

Typically, loan terms can range from 3 to 12 months or more, as required by the borrower, allowing property owners to unlock their built-up equity within their property's real estate title and settle the loan quickly for various practical funding purposes.

For many, a second mortgage & caveat loan serve as a short-term bridging line of credit facility without the need to discharge your existing home loan.
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WHAT ARE CAVEAT LOAN ADVANTAGES

One significant advantage of private lending is that the approval process is generally easier than 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, such as bridging cash flow gaps in construction projects, and for any situation that requires quick cash amounts ranging from $50,000 to $100 million, available without needing to jump through numerous hoops. 

 

And because we are less reliant on credit history than traditional lenders, we won't ask you a thousand questions about why you need the funds. Just some general, basic questions over the phone are fine. It's that simple.

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This Is An Example of One of Many Types of Real-estate Security That is Accepted As Collateral When Applying For A Secured Business Line of Credit Being A Beautiful Residential House or But Also Can Be Lent Using Other Properties Such As Commercial or Industrial Properties and Vacant Land or Rural Farms or Agricultural Acreage Farms As Some of The Many Types of Security Property A Borrower Can Offer As Surety When Obtaining Non-Bank Low-Doc Asset Lending Facility To Release Flexible Equity That Can Be Used For Any Purpose In Australia
This Is A Picture of Happy Self-employed Tradesman As Testimonials Along With Other Happy Borrowers Such As Plumbers Electricians Carpenters And Many Other Industry Types Who Are Getting on With Because Because They Have Successfully Obtained Trade Capital That They Are Using To Grow Their Business Across Australia

BUSINESS CAPITAL FOR THE SELF-EMPLOYED

If you're self-employed, you deserve a loan that's tailored to your needs.

We're excited to introduce new loan features that let us tailor financing to your specific needs. 

Having financed numerous SMEs and self-employed borrowers over many years, we've learnt to understand that the journey of self-employment can be challenging.

With our tailored service, we take the time to learn about your business—not only so we can provide you with the funding you need, but also as a duty of care to ensure you receive the most appropriate support for your specific scenario.

✔ Fantastic option for those who cannot verify employment

✔ Running a small or large business? Need Funds? No problem

✔ Lending is specifically designed for the self-employed

✔ Loans can be used for both business and personal use

✔ We offer the lowest private lender rates Australia-wide 

✔ Our approval process is fast and easy to approve 

✔ We understand the needs of all self-employed Australian business owners

✔ And take the time to listen so that we can customise suitable loan terms

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Whether you're looking to purchase a residential or commercial property, refinance an existing distressed home loan, purchase further real estate investment properties, pay off an ATO tax debt, or need to raise capital, and the banks won't help, we've got you covered.

ARE CAVEAT LOANS SAFE IN AUSTRALIA

When obtaining specialist financial services, it is paramount that a borrower not only seeks the most competitive rates but also secures funding from experienced, trusted industry professionals.

As an Australian-owned and operated organisation, we are proud to say we have over 50 years of combined expertise in the specialist banking and financial services industry.

 

This means that when you obtain lending information, you receive the most up-to-date current financial information available in Australia. Additionally, this information is provided in accordance with best practices.

 

Our commitment to integrity and transparency sets us apart, as we work tirelessly to ensure our clients' satisfaction —not just by securing funding approvals, but also by offering exceptional customer support tailored to your individual needs while upholding the highest standards of professionalism.

When you engage with our consultants, you'll discover a supportive approach that demonstrates our commitment to understanding your unique story, enabling us to provide the most suitable finance option for your specific situation.

Please feel free to contact us by phone or message.

true-blue-australian-rural-farmer-expands-agri-production-for-international-asian-buyer-su

WHAT 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 for if you have not had much luck with the big banks.

  • Purchasing a home.

  • Renovating a home before selling. 

  • Funding for construction projects.

  • Developing property subdivisions.

  • Refinancing an existing mortgage.

  • Paying overdue ATO tax debts. 

  • Business overdraft and line of credit.

  • Unlocking large amounts of real estate capital & equity

  • Acquiring additional real estate investments.

  • Capital start-up for a new business.

  • Raising capital for self-employed activities

  • Rural, acreage, farms, agricultural, income-producing, land bank.

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Rest assured that if your borrowing needs are not listed below, we can still tailor a suitable alternative finance solution to meet your specific needs.

APPLY NOW FOR A FAST RESPONSE

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7 days a week from 7 am - 11 pm AEST



 

For after-hours enquiries, please click on the Express Loan Quote tab for a prompt reply. Alternatively, send us an email, and one of our consultants will gladly call you back within 60 minutes to answer all of your questions.

Level 29, 

Chifley Tower
​2 Chifley Square
Sydney NSW 2000

27/101 Collins Street
Melbourne VIC 3000

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Westpac House

91 King William Street
Adelaide SA 5000

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Hobart TAS 7000

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Perth WA 6000

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Canberra ACT 2601

Legal Disclaimer - Regulatory Compliance Statement: Commercial Lending Activities We recommend that applicants seeking private finance obtain independent financial and legal advice before deciding what is best for their circumstances. We do not offer any personal loans or credit facilities that are regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are exclusively confined to business lending or the brokering of commercial credit or finance, predominantly for business or commercial purposes. 1. Introduction Caveat Loans Australia Wide ("we", "us", "our") operates www.caveatloans.finance (the "Website") solely as a commercial and business finance broker, providing information, referral, and facilitation services exclusively for unregulated business and commercial financing Australia-wide. All "loans" or "financing" references are to facilities exempt from the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") and National Credit Code. 2. Nature of Services and Licensing Status - We are a non-bank commercial referral service and do not hold (nor require) an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). - Activities do not constitute "financial services" (Corporations Act 2001 (Cth) s 766A) or "credit activities" (NCCP Act s 6). - Exempt per NCCP Act ss 6(1), 13 and NCCP Regulations reg 68 (with verified business purpose declaration). - We refer only to lenders holding ACL/AFSL or exempt under the Corporations Act (lending from own funds, no public schemes). - We provide no financial product advice, legal, tax, or other advice (ASIC RG 209 compliant). - Remuneration: We may receive commissions, brokerage, or fees from lenders/borrowers (disclosed as required). 3. Non-Consumer Credit Only Services are strictly limited to credit for business/commercial purposes (predominant use >50% per NCCP Act s 5, NCCP Regulations reg 68). We do not provide/arrange/facilitate consumer, personal, domestic, or household credit. 4. Applicant Acknowledgment and Business Purpose Declaration By accessing the Website, submitting an enquiry/application, or using Services, you declare and warrant (under penalty of perjury): - Financing is exclusively for business/commercial purposes; not personal/domestic/household. - You have conducted due diligence confirming the NCCP exemption. - You obtained **independent financial/legal/tax advice before proceeding. - Application was voluntary, free from duress/pressure by us. - All info provided is true/accurate/complete; false statements may breach Criminal Code Act 1995 (Cth) s 137.1 or Corporations Act s 1041G. - You instruct us to refer to licensed/exempt lenders. - We rely on your declarations for eligibility. - Your responsibility: Verify exemption; if doubt (e.g., mixed purpose), stop and seek advice. - Failure: May reclassify as regulated credit, exposing you to NCCP penalties. - You waive NCCP protections (no responsible lending/disclosures). - Short-term exemption (NCCP Reg 51): ≤62 days, single advance/repayment, fees ≤20% establishment + ≤4% monthly (max 2), business purpose verified. Signed declaration (NCCP Reg 68 form) required as prima facie evidence (rebuttable only if we knew otherwise). 5. Information and Website Use - General information only; not tailored advice. - No warranties on accuracy/completeness/suitability. - Use at your risk; verify independently. - Strongly recommend: Independent professional advice before decisions. 6. Privacy and Consent We comply with the Privacy Act 1988 (Cth) and Australian Privacy Principles. By submitting info, you irrevocably consent to disclose (for credit assessment) to credit agencies/providers/guarantors/insurers/third parties. Withdraw consent: customercare@caveatloans.finance (does not affect prior disclosures). 7. Limitation of Liability To the maximum extent permitted by law (incl. Australian Consumer Law), we accept no liability (incl. negligence) for any loss/damage/cost/expense (direct/indirect/consequential) from: - Website/Services use/reliance. - Your decisions/applications. - Info inaccuracy/misuse. - Regulatory reclassification/claims. Excludes death/injury/fraud (non-excludable). 8. Indemnity You indemnify us, directors/officers/employees/agents/affiliates against all claims/losses/costs (incl. legal fees, full indemnity) from: - Breach of declarations/warranties. - Misuse/false info. - NCCP reclassification/consequences. Survives termination. 9. Dispute Resolution Contact: - Email: customercare@caveatloans.finance - Phone: 1300 364 659 - Post: PO Box 3733, Parramatta NSW 2124 10. Governing Law and Jurisdiction Governed by NSW and Commonwealth laws. Irrevocable submission to non-exclusive jurisdiction of Australian courts. Compliant with ACL, NCCP, Corporations Act, ASIC RGs (203, 78), Privacy Act. 11. Confirmation and Acceptance By using Website/Services: - You confirm business purpose/NCCP exemption. - Accept these terms fully. - Deemed to have obtained independent advice. - Bear all risks/consequences. We reserve the right to verify/decline/terminate. Terms, fees, and conditions apply. Copyright 2025. All Rights Reserved.

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