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
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.
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.
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.
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
CAN ANYONE QUALIFY FOR A CAVEAT LOAN?
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?
Certainly, caveat loans, private lending, and private second 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 offer financial support.
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 to access 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.
ARE CAVEAT LOANS USER FRIENDLY?
Yes. Caveat loans and private lending in general have a key advantage compared to 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 various scenarios across a broad spectrum of borrowers' circumstances, catering to what may be considered outside the box of mainstream banks, 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 one loan, with one rate and one predictable payment, thereby 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 various confusing dates with higher rates, consolidating all of them into a blended interest rate makes your life simpler.
No more forgetting when what is due, missing payments and 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 needing to pay 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.
WHAT ARE CAVEAT LOAN ADVANTAGES
One of the significant advantages of private lending is that the approval process is generally easier to obtain compared to 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, readily available without needing to jump through numerous 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.
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 changes to our loans, where we can tailor the finance 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 assist you with the most appropriate support applicable to 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
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 always paramount that a borrower not only looks out for the most competitive rates but also secures funding from 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 obtain lending information, you receive the most up-to-date current financial information available in Australia. Additionally, this information is provided in a manner that complies 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 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.
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.
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.
Important Notice: In fulfilment of our duty of care, we recommend that any individual or entity seeking private finance obtain independent financial and legal advice before making any decision as to what is best suited for their specific circumstances. We further advise that 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 commercial or business lending, or finance that is predominantly to be used for business or commercial purposes.