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
Caveat loans for Australian businesses in every state, direct from the lender: $20k–$5m behind your bank, same day possible. No credit check to enquire.
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 by state
Caveat loans in every state and territory, from one direct lender. Which land registry records the caveat, and what changes from state to state. Check yours.
Read more →Same-day caveat loans
A same day caveat loan is possible for $20k to $250k on property in any state. 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 which one suits your deal.
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
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