Pick your position on title
Short-term loan types
Caveat, first mortgage, second mortgage, bridging and more — what each short-term loan is, when it fits and how quickly it can move.
17 plain-English explainers in this section
Short-term business loans
Short-term business loans compared side by side: caveat, first and second mortgage, bridging and unsecured — plus the three questions that pick the right one.
Read more →Caveat loans
Short-term caveat loans for Victorian property: when a caveat beats other structures, how fast funds can land, and the equally quick option in other states.
Read more →First mortgage
A short-term first mortgage suits clear title or a bank loan that has to go. See when it beats a second mortgage or caveat, and how fast it can settle.
Read more →Second mortgage
A short-term second mortgage unlocks equity behind your bank loan in any state. Learn how much you could raise, how fast it registers and when it fits best.
Read more →Bridging finance
Short-term bridging finance covers the gap between needing money and a sale, refinance or payment landing. Which structure carries the bridge, and how fast?
Read more →Business bridging loans
Found the premises or business you want before your property sells? How a short-term bridging loan holds the deal together, and which structure suits.
Read more →Caveat loans Australia
Fast caveat loans in Australia: Victoria uses a caveat, other states a short-term second mortgage that moves just as fast. See what applies to your property.
Read more →Same-day caveat loans
A same day caveat loan is possible for $20k to $250k on Victorian property. These five conditions decide whether your money lands today or tomorrow.
Read more →Low doc loans
Tax returns behind? A low doc short-term business loan leans on property equity and a clear exit instead. See what's still asked for and which structure fits.
Read more →Equity release
An equity release business loan unlocks cash from property you own without selling it. See which short-term structure fits your title, state and timing.
Read more →Development finance
Short-term private development finance for the gaps a bank won't cover — site deposits, permit delays, cost blowouts and unsold stock. What fits each stage.
Read more →Caveat loan refinance
Caveat loan due and the exit has slipped? How to refinance a caveat or short-term loan into a structure with more time, more room or one simpler due date.
Read more →Fast short-term loans
Fast short-term business loans: same day possible for $20k to $250k against property, up to $5m in 24–48 hours. Find your quickest route and what slows it.
Read more →Commercial property loans
A short-term loan against commercial property can unlock $20k to $5m from a shop, office or warehouse you own. Which structure fits, and what lenders weigh.
Read more →What is a caveat loan
What is a caveat loan? A plain-English definition, each step from enquiry to payout, what the caveat does to your title, and which states it applies in.
Read more →Caveat loans for business
Caveat loans for business: what counts as a business purpose, why personal use is out, how sole traders, companies and trusts apply, and how fast it can fund.
Read more →Caveat vs second mortgage
Caveat loan vs second mortgage: how each sits on title, which ranks first, which is faster, what discharge costs, and why the property's state picks for you.
Read more →Keep exploring
Other parts of the library
Private business lending explained
How private and non-bank lenders assess, price and settle short-term business loans — and how to come to them prepared.
Funding scenarios
The situations that send business owners looking for short-term money — and how a property-secured loan can solve each one.
Your property as security
How lenders read your property, your equity and your state's rules — the details that decide how much you can borrow and how fast.
See what your business could qualify for
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