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Level 29, 

Chifley Tower
​2 Chifley Square
Sydney NSW 2000

Ph: (02) 9687 6666

New South Wales

27/101 Collins Street
Melbourne VIC 3000

Ph: (03) 7036 4150

Victoria

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000

Ph: (08) 8166 4304

South Australia

10 Eagle Street
Brisbane QLD 4000

Ph: (07) 2103 4445

Queensland

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

Ph: (08) 8166 4304

Northern Territory

6/111 Macquarie Street
Hobart TAS 7000

Ph: (03) 7036 4150

Tasmania

28/140 St Georges Terrace

Perth WA 6000

Ph: (08) 8166 4304

Western Australia

2 Phillip Law Street
Canberra ACT 2601

Ph: (02) 9119 2249

Australian Capital Territory

Important Disclaimer: Non-Consumer Credit Services and Referral Information.

Caveat Loans Australia Wide ("we", "us", or "our") operates this website (www.caveatloans.finance) (the "Website") as a provider of information, referral, and facilitation services exclusively in relation to commercial and business financing facilities (the "Services"). The Services are strictly limited to the arrangement and provision of credit facilities intended solely for business or commercial purposes, where the predominant use is for business activities as defined under section 5 of the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and Regulation 68 of the National Consumer Credit Protection Regulations 2010 (Cth) (NCCP Regulations). We do not provide, arrange, or facilitate any consumer credit, personal loans, or credit for domestic, household, or personal purposes. All references to "loans" or "financing" on this Website are to unregulated commercial facilities that are exempt from the NCCP Act and the National Credit Code.

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Nature of Services and Regulatory Status.

We are a non-bank commercial referral service and do not hold, nor are we required to hold, an Australian Financial Services Licence (AFSL) under Chapter 7 of the Corporations Act 2001 (Cth), as our activities do not constitute "providing financial services" within the meaning of section 766A of that Act (e.g., we do not provide financial product advice, deal in financial products, or make a market). Similarly, we do not engage in "credit activities" as defined in section 6 of the NCCP Act and therefore do not hold, nor require, an Australian Credit Licence (ACL). Our Services are exempt from the NCCP Act pursuant to sections 6(1) and 13 of the NCCP Act and Regulation 68 of the NCCP Regulations, provided a valid business purpose declaration is obtained and verified in the prescribed form by the ultimate credit provider.

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The information on this Website is provided for general informational purposes only and does not constitute, and should not be construed as, financial, legal, tax, or other professional advice. It is not tailored to any individual's or entity's specific circumstances and does not take into account your objectives, financial situation, or needs. We make no representations or warranties, express or implied, regarding the accuracy, completeness, suitability, or timeliness of the information provided. We accept no liability for any loss or damage resulting from the use or misuse of information contained herein.

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Applicant Acknowledgment and Declaration, Regulatory Exemptions and Business Purpose Requirement You, the applicant, acknowledge and declare that by accessing or using this Website (www.caveatloans.finance) or by submitting any application or enquiry for our Services offered by their associates, you represent and warrant that:

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  • The financing sought is exclusively for business or commercial purposes, with the majority of the funds to be used for commercial purposes.

  • You are not seeking credit for personal, domestic, or household consumption.

  • You have conducted your own due diligence to confirm the applicability of the NCCP exemption to your circumstances.

  • You have sought and obtained independent professional financial and legal advice prior to making any decision to apply for commercial credit, ensuring such a decision aligns with your best interests.

  • Your application for commercial credit was made voluntarily, free from any duress, pressure, or undue influence by www.caveatloans.finance, its staff, or associated entities.

  • All decisions to apply for or accept any credit terms were made solely by you, based on your own informed judgment and as part of a prudent financial plan developed in consultation with your financial and legal advisers.

  • www.caveatloans.finance, its staff, or associated entities have not provided financial advice, engaged in any conduct that contravenes the National Consumer Credit Protection Act 2009 (NCCP), or encouraged any illegal activity in connection with your application.

  • You instructed www.caveatloans.finance to process your application for commercial credit by submitting it to a licensed private business lender for consideration.

  • You understand that www.caveatloans.finance is not a lender and acts solely as a facilitator in this process.

  • You warrant that all representations made in connection with your application are true, accurate, and provided of your own free will, and that the purpose of the credit is for commercial or business purposes, falling outside the scope of the NCCP.

  • You understand that we rely on your representations to assess your eligibility for the Services.

  • And that any product, service, or assistance was done so by your explicit instructions.

  • It is your sole responsibility to ensure that the intended use qualifies as exempt under the NCCP Act.

  • And that should there be any doubt as to whether the NCCP Act applies to you (e.g., if the loan has a mixed purpose or the business purpose cannot be substantiated), you must not proceed and must seek independent professional advice.

  • You understand that failure to comply may result in the transaction being reclassified as regulated consumer credit, which could expose you to penalties under the NCCP Act.

  • You agree that we recommend obtaining financial and legal advice.​

 

Recommendation to Seek Independent Advice:

​If you are unsure whether our Services are suitable for your needs, or whether the NCCP exemption applies, you must obtain independent legal, financial, and tax advice from qualified professionals licensed in your jurisdiction before proceeding. We strongly recommend consulting a lawyer or financial adviser to determine the regulatory status of any proposed financing and to assess risks, including but not limited to tax implications, enforcement of security, and compliance with state/territory laws (e.g., property securities under the Transfer of Land Act in Victoria or Real Property Act in New South Wales). This site serves as a referral service rather than a source of advice. We recommend that individuals or companies seek professional financial and legal advice before making any decisions.

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Liability:

​To the maximum extent permitted by law, we accept no liability (including in negligence) for any loss, damage, cost, or expense (whether direct, indirect, consequential, or incidental) arising from or in connection with:

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  • Your use of, or reliance on, any information on this Website;

  • Any decision to apply for or enter into our Services;

  • The misuse, inaccuracy, or incompleteness of any information you provide to us; or

  • Any regulatory reclassification, enforcement action, or third-party claim related to the Services.​

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This exclusion applies regardless of whether the loss was foreseeable or we were advised of the possibility of such loss. Nothing in this Disclaimer excludes or limits our liability for death, personal injury, or fraud, where such liability cannot be excluded under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) (ACL). Terms, fees, and conditions apply.

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Indemnity:

You agree to indemnify, defend, and hold harmless www.caveatloans.finance Caveat Loans Australia Wide, its directors, officers, employees, agents, affiliates, and related entities (the "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, losses, damages, costs, and expenses (including legal fees on a full indemnity basis) arising out of or in connection with:

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  • Your breach of any representation, warranty, or obligation under this Disclaimer;

  • The misuse of the Website or Services;

  • Any false, misleading, or incomplete information provided by you; or

  • Any regulatory, legal, or financial consequences of your use of the Services, including any determination that the NCCP Act applies.

  • You acknowledge that all information submitted, whether electronically or in hard copy, is accurate and truthful, and you indemnify www.caveatloans.finance and its associates against any loss resulting from misuse.

  • This indemnity survives termination of your access to the Website or any agreement for Services.

 

Privacy and Consent for Information Disclosure:

By electronically submitting personal information through this Website or otherwise engaging with us, you irrevocably provide authority and permission under the Privacy Act 1988 (Cth) and relevant Australian laws (including the Australian Privacy Principles) to disclose your privileged details for credit assessment purposes, including to credit reporting agencies, other credit providers, guarantors, insurers, and third parties as necessary for verifying eligibility, assessing applications, and managing the Services. This consent is specific, informed, and current, and extends to the use of commercial credit information where you have agreed to such disclosure. You may withdraw this consent at any time by contacting us; however, this will not affect any prior disclosures or prevent us from using the information for ongoing assessments, where permitted by law. We are committed to delivering professional information services that support borrowers and their advisors in making informed credit decisions while ensuring compliance with all applicable privacy obligations.

 

Application and Confirmation of Non-NCCP Status

By submitting an application for financing through this Website or otherwise engaging with us:​

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  • You confirm and declare under penalty of perjury that the financing is for a genuine business or commercial purpose exempt from the NCCP Act, and that all information provided is true, accurate, and complete.

  • You acknowledge that providing false or misleading information may constitute a criminal offence under section 137.1 of the Criminal Code Act 1995 (Cth) (false or misleading statements in applications to government entities) or section 1041G of the Corporations Act (misleading conduct in relation to financial products), and may result in civil penalties, prosecution, or voiding of the facility.

  • You accept full responsibility for any liabilities, losses, or consequences arising from such misrepresentation, including but not limited to repayment obligations, enforcement actions, and regulatory fines.

  • You waive any right to claim NCCP protections and agree that no responsible lending assessments or disclosures under the NCCP Act will be provided.

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Rights R

Rights Reserved: We reserve the right to verify your declarations and may decline or terminate Services if inconsistencies are identified.

Governing Law and Jurisdiction. This Disclaimer is governed by the laws of NSW, as well as National, State and Federal laws across Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of that jurisdiction and any courts competent to hear appeals from those courts. This Disclaimer is enforceable uniformly across all Australian states and territories, subject to local variations in property and security laws, and complies with the ACL and uniform national credit laws, including the NCCP Act, the Corporations Act 2001 (Cth), ASIC regulatory guides (e.g., RG 203 on credit licensing exemptions and RG 78 on credit licensing compliance), and the Privacy Act 1988 (Cth).

 

Website Disclaimer: You acknowledge that www.caveatloans.finance strives to ensure the accuracy, completeness, and currency of the information on this website. However, to the fullest extent permitted by law, including the Australian Consumer Law, www.caveatloans.finance, its directors, officers, employees, agents, and affiliates make no representations or warranties, express or implied, regarding the accuracy, reliability, completeness, or timeliness of any information provided. We accept no liability for any loss, damage, expense, or cost (including direct, indirect, consequential, or special loss) arising from any errors, omissions, inconsistencies, or outdated information on this website, or from your reliance on such information. You agree that your use of this website is at your own risk, and you are responsible for verifying the accuracy of any information before acting on it. We strongly recommend obtaining independent professional financial and legal advice tailored to your specific circumstances before making any decisions. www.caveatloans.finance acts solely as a facilitator, submitting commercial credit applications to licensed private business lenders for consideration, and does not provide financial advice or lending services. Terms, fees, and conditions apply. Copyright 2025 All Rights Reserved.

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