When you’re negotiating an off-market purchase, speed is often the whole point. You’ve found a property that isn’t being shopped around publicly, the vendor wants certainty, and the window to act can be tight. The problem is that traditional finance rarely moves at that pace. Credit assessment, valuations, conditions, and settlement coordination can push out timelines and add risk to a deal that only works if you move now. Contact us today to discuss your scenario.
Why Off-Market Purchases Need Fast Funding
Off-market deals tend to come with one or more of these pressures:
- The vendor wants a short settlement or an unconditional contract
- You need to release a deposit immediately to secure the opportunity
- You’re coordinating a chain sale, refinance, or restructure behind the scenes
- The asset needs to be secured before competitors become aware of it
In these situations, waiting for a bank to work through policy can create real risk. It’s not just about approval. It’s about timing, conditions, and certainty.
What a Caveat Loan Does in an Off-Market Purchase
A caveat loans is a short-term, property-secured solution where a caveat is lodged on title to protect the lender’s interest. In practical terms, it can give you quick access to funds using equity in your residential or commercial property, so you can execute the deal now and then refinance or repay later once the longer-term plan catches up.
Used well, caveat finance is not a substitute for a long-term strategy. It’s a timing tool. It gives you breathing room to complete an urgent settlement or secure the asset, while you finalise the next step such as a sale, refinance, or other capital event.
Benefits of Caveat Finance for an Off-Market Purchase
For the right transaction, the benefits are straightforward:
- Speed when the vendor wants action, not paperwork
- Flexibility for bridging while you refinance or restructure
- A clearer path to fast execution when bank timing isn’t viable
- Potential for fast, same day settlement in the right circumstances, or funding within 24 hours for urgent settlement needs
- Access to larger amounts when you have sufficient equity, including the ability to borrow up to $10million
If you’re looking at a private lender urgent solution because the situation feels like an emergency, caveat lending can be the controlled, documented way to move forward without stalling the purchase.
How Secured Lending Helps You Execute Fast, Clean Transactions
Speed only helps if it’s coordinated properly. Our role is to reduce friction, confirm what’s possible early, and structure the funding so you can settle with confidence.
Secured Lending is a non bank business lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That national reach matters when your asset, solicitor, agent, and settlement parties are not all in the same city.
We Start with the Deal Reality, Not Just a Rate
Off-market transactions can be messy in a normal way. Deposit timing, special conditions, access for valuation, and vendor expectations all impact what “fast” looks like. We review your contract and timeline and then confirm:
- How much you need and when you need it
- What property is being offered as security
- Your exit plan and the realistic repayment window
- Any constraints that could slow settlement and how to remove them early
This is how you avoid the situation where finance is “approved” but not practically deliverable by the settlement date.
We Prioritise Certainty for Urgent Settlement
When you have an urgent settlement, you’re not just buying a property. You’re buying the right to keep the deal alive. Our process is built around certainty and coordination with your solicitor and broker (if applicable) so documents, caveats, and settlement logistics don’t become the bottleneck.
Depending on the scenario, we can support fast, same day settlement, particularly when the file is complete and the security position is clear. More commonly, we target funding within 24 hours where urgency is real and the pathway is straightforward.
We Structure Caveat Finance as a Bridging Loan
Most borrowers use caveat funding as bridging. That means you’re using short-term capital to secure the off-market purchase now, while a longer-term solution completes in the background. Common exits include:
- Refinance to a bank or non-bank facility once timing allows
- Sale of another asset or a property settlement coming through
- Business cash event or distribution that is scheduled but not immediate
We help you structure the term and repayment approach around that exit, so it’s aligned with how you actually operate, not how a template says you should.
Clear Pricing and Sensible Loan Sizing
Because caveat loans are short-term and fast, pricing is different to standard mortgage finance. With Secured Lending, you can discuss secured business loan options with an interest rate starting at 9.2% p.a, subject to assessment and the specifics of your security and timeline.
We also work at scale. Where equity and servicing make sense, borrowers can borrow up to $10million. The goal is not to over-leverage. It’s to provide enough liquidity to complete the purchase and protect your negotiating position.
Experience That Shows Up When Timing Is Tight
Fast transactions only work when the lender knows how to move. We’ve facilitated over 500 strategic commercial loans and supported borrowers through tight deadlines where traditional finance simply wasn’t viable. That experience shows up in the practical details: document flow, settlement coordination, and making sure the funding matches the transaction mechanics.
FAQs
1. Can a caveat loan fund an off-market purchase deposit?
Yes, it can be used to release funds quickly for a deposit or other upfront requirement, provided you have suitable property security and the structure fits the contract timeline.
2. How fast can Secured Lending actually fund?
In suitable cases, we can support fast, same day settlement. More commonly, we aim for funding within 24 hours once security, documents, and the settlement pathway are confirmed.
3. What security can I use for a caveat loan?
Typically, you use equity in residential or commercial property. The property offered as security and its position on title will influence the structure and speed.
4. Is this a long-term solution?
Caveat finance is generally short-term. It’s designed for bridging, urgent settlement, or time-sensitive opportunities where you’ll refinance or repay once the next step completes.
5. What types of off-market transactions suit caveat funding best?
Deals with a clear exit and a tight timeline. For example, when a vendor wants certainty, you need to move before competitors, or bank timelines don’t match the settlement date.
6. Are you a bank?
No. Secured Lending is a non-bank lender and a Private Lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
How We Can Help
If you’re pursuing an off-market purchase and the timing is tight, we’ll review your scenario, confirm what’s workable, and structure a caveat loan that supports a clean settlement pathway. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
