FAST FUNDING SECURED AGAINST PROPERTY
A caveat loan is short-term business finance that involves lodging a caveat over the title of an eligible property. These secured loans may provide a practical funding solution when a business needs capital before a bank or long-term lender can complete its assessment.
Urgent caveat loans may assist with property settlements, working capital gaps, ATO obligations, refinancing deadlines and other time-sensitive commercial requirements. We consider the requested amount, available equity and proposed exit strategy before outlining the information required to progress the application.
You can also explore our broader range of business loans to see how property-backed finance may support your commercial objectives.
A PRACTICAL APPROACH TO EVERY TRANSACTION
We assess caveat finance with a focus on the available property security, loan purpose and realistic repayment plan. Residential, commercial and other eligible real estate may be considered, depending on the property’s location, ownership, existing debt and marketability.
Immediate caveat loans may suit business owners, investors or commercial buyers seeking short-term property-back finance without the delays often associated with traditional lenders. Borrowers with limited financial documentation, prior credit issues or existing property finance may still be considered where sufficient equity and suitable security are available.
Pronto Funds
LOAN SPECIFICATIONS
Loan Feature | Details |
Loan Amount | $200,000 to $10 million |
Loan Term | 1 to 12 months |
Maximum LVR | Up to 85% |
Security | Residential, commercial or other eligible real estate |
Loan Position | First or second mortgage |
Indicative Decision | Within 24 hours |
Settlement | Ability to settle within 48 hours |
Rates | From 1.2% per month |
HOW OUR BUSINESS LOANS WORK
We assess each application based on the loan purpose, available security, requested amount and proposed exit strategy. As a direct lender using our own capital, we can make decisions quickly, communicate clearly and structure finance around the commercial needs of the transaction.
FAST DECISIONS WITH CLEAR REQUIREMENTS
Caveat finance can move quickly, but the process should remain clear. At Pronto Funds, you deal directly with the team assessing the transaction and receive straightforward guidance on the requirements and next steps before the loan progresses towards settlement.
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Frequently Asking Questions
What is a caveat loan?
A caveat loan is short-term business finance secured against eligible real estate. The lender lodges a caveat on the property title to record its interest. Fast caveat loans are generally assessed based on the available equity, commercial purpose and proposed exit strategy.
Will a caveat be registered on my property?
Yes. A caveat is generally lodged over the property offered as security once the loan proceeds. It helps protect the lender's interest while the loan is in place and is typically withdrawn once the loan has been repaid. Quick caveat loans still require suitable security and completed legal documentation.
Can I have multiple properties as securities?
In some circumstances, Pronto Funds may consider multiple eligible properties as security to strengthen an application or increase the available borrowing capacity. We assess the combined security, existing debt, available equity, ownership structure and proposed exit strategy when considering the application.
Will I still be able to sell my property if a caveat is registered?
Yes. A property can generally be sold while a caveat is in place. As part of settlement, the loan is typically repaid from the sale proceeds and the caveat is withdrawn, allowing the transaction to proceed.