Caveat Finance
What Is a Caveat Loan?
A caveat loan is an agile, short-term business funding solution secured against the equity in your commercial or investment property. Unlike a standard loan that requires a full refinance, a caveat is lodged directly on the property title. This gives PBL the necessary security to fund your business while leaving your existing first mortgage completely undisturbed.
Because we use our own capital and an internal property evaluation team, we bypass the red tape of traditional institutions. This allows us to offer rates from 10% and funding from 150K to 10M, often within 24 hours.
Common Business Use Cases
In a fast-paced commercial environment, timing is everything. Businesses and brokers choose PBL for caveat finance when they require urgent capital without the delays of traditional bank refinancing.
Backed by our internal property evaluation team, we provide rapid funding for:
- Settling ATO Tax Debts: Resolve outstanding liabilities quickly to reduce financial pressure.
- Bridging Cash Flow Gaps: Maintain operational momentum while awaiting incoming revenue or long-term finance.
- Meeting Urgent Settlement Deadlines: Act with certainty on property or business acquisitions when every hour counts.
- Funding Business Expansion: Inject capital into growth initiatives, new equipment, or stock purchases.
- Emergency Operational Expenses: Cover payroll or critical supplier invoices within 24 hours.
- Debt Consolidation: Streamline multiple business debts into one predictable repayment plan.
- Seizing Time-Sensitive Opportunities: Use your commercial or investment property equity to move faster than the competition.
Why Choose Property Based Lending?
As a direct lender with over 30 years of experience, we specialise in providing first and second mortgage solutions that traditional banks often overlook.
- Fast Funding, Often Within 24 Hours: Our internal property evaluation team streamlines approvals, often providing funding within 24 hours to meet urgent business deadlines.
- Direct Lender Certainty: We use our own capital and do not syndicate deals to outside investors, meaning you deal directly with the decision-makers.
- Flexible Loan Amounts: We provide loans from 150K to 10M, tailored specifically to your company’s repayment capacity and growth goals.
- Specialist Expertise: Benefit from 30 years of private lending experience in the Australian market, with rates starting from 10%.
- Transparent & Upfront: We pride ourselves on clear pricing and terms – no surprises, just straightforward business solutions.
Get Funded Fast
If you have equity in your property, a caveat loan can unlock the capital your business needs — fast.
Contact Property Based Lending today for a confidential, obligation-free consultation.
We’ll assess your eligibility, provide a clear funding estimate, and help you secure approval – often within 24 hours.
First Mortgage Finance
Gain access to capital by using your property’s title as security — a straightforward way to unlock funds at competitive rates.Learn more
Second Mortgage Finance
Tap into your property’s existing equity for additional funding, all without needing to refinance your current loan.Learn more