Short Term Caveat Loans exists for one kind of moment: a business owner with property, a deadline and a bank that can't move in time. A tax debt that needs clearing before a director penalty bites. A settlement that's ten days away. A contract won on Friday with a deposit due on Monday. Those moments call for short-term money secured by property — and for someone who knows which structure fits.
What we do
We're a lender, not a broker. We make short-term, property-secured business loans from $20,000 to $5,000,000: caveat loans on Victorian property, short-term second mortgages in every other state and territory, short-term first mortgages, bridging finance and private business loans. Where a trading business has no property to offer, unsecured and cash-flow options are available too. Every loan is for business purposes.
How we work
We look at three things first: where the property is, what's already owed on it, and how the loan will be repaid. That tells us the structure, the realistic amount and the realistic timing. With a prepared file, $20k to $250k is possible the same day on a property-secured loan and up to $5m is possible within 24–48 hours. We'd rather tell you the honest timeline on the first call than promise something the paperwork can't deliver.
What we promise
No credit check to ask
Finding out what's possible leaves your credit file untouched. A credit check only comes up once you choose to proceed.
The lender, not a broker
Your enquiry isn't sold or sprayed across a dozen lenders. You deal directly with the people who make the lending decision, from first call to settlement.
A real person on the clock
A lending specialist reads your answers and calls you. Accurate details about the property and the deadline get you a real answer on that first call.
We never publish interest rates. A rate on a website ignores the things that actually set the price of a short-term loan — the property, the equity, the exit and the time frame — so we quote on your situation instead.
Talk to us
Call 03 7035 8688 or start the 60-second enquiry. Please answer it accurately — especially the property's state, what's owed and the date you need the money — so the first conversation is a useful one. See if you qualify →
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
The lender, not a broker
A real person on the clock