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 flexibility, as they do not require providing financial documents such as tax returns or pay stubs; in fact, proof of income is not required.
Subsequently, urgent capital and equity can be released for a variety of personal or commercial purposes, including trade capital, business loans, stock, plant and equipment, in fact, for just about any worthwhile purpose.
NO REPAYMENTS FOR 12 MONTHS
Caveat Loans Australia offers finance options that allow borrowers to pause their repayments for an entire year. That's right, 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 separate loan that uses your home’s equity as collateral, without affecting your primary mortgage. Homeowners often choose this option to tap into their property’s accumulated equity without the need to refinance their original home loan.
This provides an instant release of substantial funding for major expenses such as home renovations, debt consolidation, and even commercial business use.
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.
WHEN THE BANKS SAY NO, WE SAY YES!
Rapid Hard Money Lending
24 Hour Finance Approvals
Self-Employed Loans Lo-Doc Loans
Instant Lending Australia-Wide
Business Caveat Loans
Personal Caveat Loans
Debt Consolidation Re-Financing
Sydney Brisbane Melbourne Adelaide
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
Private Loans Can Be Tailored
Secured Personal Loans
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 are a straightforward short-term finance solution that can alleviate many of the problems one may experience at their local banks. Because the approval process is so much faster than bank loans, this often can reduce the borrower's financial loss because settlement deadlines can be met without loss of deposits or penalty interest.
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.
CAN A CAVEAT LOAN BE APPROVED FAST?
Certainly, caveat loans, private lending, and private second mortgages can be approved quickly and deployed rapidly for just about any worthwhile purpose. This is comfort for many borrowers knowing that if their local bank rejects their finance application, private caveat loans can provide a short-term interim facility that can bridge urgent situations until such time the financial circumstances of a borrower have come back into shape.
Caveat loans appeal to a large audience of borrowers, be it high-net-worth property investors who are frustrated with the banks or the mum-and-dad Australian real-estate owners who want to start up or expand a business, or make further property purchases. And while funding is available to almost any small to medium-sized SME real estate owner, private funding also appeals to the larger end of the market, such as corporate and business property use, up to $500 million.
Private funding can be a lifesaver in genuine circumstances where an individual or company is unable to provide proof of income or has a poor credit rating and needs an immediate, flexible, and rapid solution.
ARE CAVEAT LOANS FASTER THAN BANKS?
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.
CAN ANY TYPE OF DEBTS BE CONSOLIDATED?
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 APPROVED?
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, enabling property owners to unlock their built-up equity within their property's real estate title and settle the loan extremely quickly for a variety of 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.
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.
FUNDING SOLUTIONS 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.
AUSTRALIA'S TRUSTED PRIVATE LENDER
When obtaining specialist financial services, it is always paramount that a borrower not only looks out for the most competitive rates but also that they are securing 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 compliant manner of practice.
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 dedication to understanding your unique story, allowing us to provide the most suitable finance option for your specific scenario.
Feel free to give us a call or send us a message.
As a duty of care, we remind anyone seeking private finance to seek independent financial & legal advice before deciding what's right for you.
WHAT ELSE ARE CAVEAT LOANS HANDY 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.
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Purchasing a home.
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Renovating a home before selling.
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Funding for construction projects.
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Developing property subdivisions.
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Refinancing an existing mortgage.
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Paying overdue ATO tax debts.
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Business overdraft and line of credit.
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Unlocking large amounts of real estate capital & equity
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Acquiring additional real estate investments.
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Capital start-up for a new business.
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Raising capital for self-employed activities
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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.
APPLY NOW FOR A FAST RESPONSE
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