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Fast Property-Secured Business Loans

Caveat, 1st & 2nd mortgage finance for Australian businesses

Loans from $50K–$100M
No financials, tax returns or payslips required
Impaired credit accepted • Real estate security required

Fast Business Finance Secured by Property

Caveat Loans Australia provides short-term, business-purpose finance secured against Australian real estate. We help businesses access capital quickly for urgent settlements, cash flow, refinancing and time-sensitive opportunities.

Common Funding Needs

✓ Business Capital & Cash Flow
✓ Caveat & Second Mortgage Loans
✓ Bridging Finance & Urgent Settlements

✓ ATO & Tax Debt Funding
✓ Property Purchase & Refinancing
✓ Construction & Renovation Finance

We accept residential, commercial, industrial and rural real estate as security.

What Is a Caveat Loan?

Fast short-term business finance using available property equity.

A caveat loan is short-term business finance secured against real estate, designed for borrowers who need fast access to capital without lengthy traditional lending processes.

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Caveat finance can be used for genuine business purposes such as working capital, urgent settlements, refinancing, property transactions and tax debt.

What is a caveat loan
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

Who We Help

Property-secured business finance for a wide range of Australian borrowers.

We work with business borrowers who need fast, short-term funding and have available property equity.

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  • Business owners needing working capital or urgent funding

  • Self-employed borrowers seeking a simpler funding process

  • Companies and trusts requiring short-term finance

  • Property investors and developers funding transactions, projects or refinancing

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Funding is available for genuine business and commercial purposes only.

Experienced Australian Private Lending Specialists

Straightforward property-secured business finance with responsive, personalised service.

Caveat Loans Australia assists business borrowers seeking short-term private finance across Australia.

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With over 50 years of combined experience in specialist finance, our team understands urgent and complex funding requirements and works to provide clear, practical solutions without lengthy traditional lending processes.

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We focus on:

  • Fast, responsive service

  • Clear and transparent communication

  • Practical short-term funding solutions

  • Direct support from enquiry through to settlement

  • Australia-wide property-secured business finance

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Our team works with you throughout the process to keep your transaction moving as efficiently as possible.

Request a Fast Quote

Tell us a little about your scenario and one of our lending managers will contact you.

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Business-purpose loans only. Real estate security required.

 Need funds quickly?​

  • Same-day indicative approvals

  • Loans from $50,000 to $100 million

  • No financials, tax returns or payslips required

  • 1st mortgages, 2nd mortgages and caveat loans

  • Impaired credit considered

Premium Upgrade Required

Please upgrade to Premium plan, app will not appear on live site until upgrading

Prefer to Speak With Us?

Call 1300 364 659
Speak with our lending team about your funding requirements.

Email admin@caveatloans.finance

Australia-wide private business lending

Australia-Wide Private Business Lending

Fast property-secured business finance for Australian businesses. Caveat, 1st and 2nd mortgage lending from $50,000 to $100 million.

  • Caveat Loans

  • Second Mortgage Loans

  • Business Funding

  • Bridging Finance

  • ATO Tax Debt Loans

  • Construction Finance

  • Rural / Agricultural Finance

1300 364 659
admin@caveatloans.finance

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Business-purpose lending only
Australian real estate security required

  • About Us

  • How It Works

  • FAQs

  • Express Quote

  • Contact

  • Privacy Policy

  • Terms & Disclaimer

Level 29, 

Chifley Tower
​2 Chifley Square
Sydney NSW 2000

Ph: (02) 9687 6666

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000

Ph: (08) 8166 4304

Level 1, Paspalis Centrepoint
48 -50 Smith Street Mall
Darwin NT 0800 

Ph: (08) 8166 4304

28/140 St Georges Terrace

Perth WA 6000

Ph: (08) 8166 4304

6/111 Macquarie Street
Hobart TAS 7000

Ph: (03) 7036 4150

2 Phillip Law Street
Canberra ACT 2601

Ph: (02) 9119 2249

27/101 Collins Street
Melbourne VIC 3000

Ph: (03) 7036 4150

10 Eagle Street
Brisbane QLD 4000

Ph: (07) 2103 4445

Legal Disclaimer - Regulatory Compliance Statement: Caveat loans and private non-bank mortgages are available exclusively to Australian Pty Ltd companies with a valid ACN ONLY. Lending is not offered to individuals or any NCCP regulated consumer purposes. 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/always seek professional and legal advice before deciding what's best for you. -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 The Client indemnifies and holds harmless the Company, its directors, officers, employees, agents, and affiliates (the "Indemnified Parties") from and against all claims, losses, damages, liabilities, costs, and expenses (including legal fees on a full indemnity basis) arising from or in connection with: (a) any breach by the Client of the representations, warranties, or declarations in this Agreement; (b) any misuse of the Services or provision of false, misleading, or incomplete information by the Client; or (c) any reclassification of the credit facility as regulated under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and any resulting consequences, including regulatory penalties or enforcement actions. This indemnity survives termination of this Agreement. 9. Dispute Resolution Any dispute arising out of or in connection with this Agreement shall first be addressed through good faith negotiations. The Client may contact the Company at: -Email: customercare@caveatloans.finance -Phone: 1300 364 659 -Post: PO Box 3733, Parramatta NSW 2124 If unresolved within 30 days, the parties may escalate to mediation or, if necessary, legal proceedings. 10. Governing Law and Jurisdiction This Agreement is governed by the laws of New South Wales and the Commonwealth of Australia. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals therefrom. The parties confirm compliance with the Australian Consumer Law, NCCP Act, Corporations Act 2001 (Cth), ASIC Regulatory Guides 203 (debt collection) and 78 (tolerable collection practices), and Privacy Act 1988 (Cth). 11. Confirmation and Acceptance By accessing or using the Website or Services, the Client: (a)confirms that any credit application or representation made in connection with finance broker services is for a business or commercial purpose, exempt from the NCCP Act pursuant to section 6(1) thereof, and not for personal, domestic, or household purposes; (b)acknowledges receipt of independent professional financial and legal advice confirming the exemption and suitability of the credit for the intended purpose; (c)indemnifies the Company, its affiliates, and staff against all legal and financial liability arising from any misuse, dishonesty, or misleading information provided by the Client or borrower; (d)verifies understanding of the serious legal consequences (including potential criminal penalties under the Corporations Act and ACL) of providing false or misleading information in a finance application, and confirms having obtained advice on such risks; (e)acknowledges the Company's right to verify details, decline, or terminate any application, agreement, or offer at its discretion if contrary to declarations; and (f)accepts all terms, fees, and conditions herein, including that fees are payable on demand and, if unpaid, may be referred to collections for recovery in accordance with applicable laws (including RG 96). (g)The Client bears all risks and consequences of non-compliance. 12. Copyright 2025. All Rights Reserved.

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