When a Supplier Payment Deadline is approaching, the pressure is rarely just about one invoice. It’s about keeping stock moving, protecting priority allocations, and avoiding a supply interruption that ripples through your entire operation. If you’re waiting on receivables, a settlement, or a refinance that’s “almost there,” you may simply need a clean, short-term bridge. Contact us today to discuss your scenario.
Why a Supplier Payment Deadline Can Put Your Supply Chain at Risk
Most suppliers run on clear payment rules for a reason. Miss the date and you can face:
- Paused shipments or reduced credit terms
- Loss of preferred pricing or priority supply
- Stock gaps that force you to disappoint customers
- Higher costs from last-minute alternatives
Even if your business is profitable and well-run, timing mismatches happen. A large customer pays late. A project milestone moves. A property settlement doesn’t land when expected. The result is the same: an urgent settlement need where speed matters more than perfect timing.
What Is a Caveat Loan in Plain Terms?
A caveat loans is a short-term loan secured against property, where a caveat is lodged on title to protect the lender’s interest during the loan term. It’s commonly used as bridging finance when you need funds quickly and you have a clear plan for repayment, such as incoming cash flow, sale of an asset, or refinance.
Used well, caveat finance is not “extra debt for the sake of it.” It’s a controlled tool to meet a time-critical obligation and keep your business operating smoothly.
Benefits of Caveat Finance for a Supplier Payment Deadline
- Speed: Fast, same day settlement may be possible in the right scenario, and funding within 24 hours is often achievable.
- Continuity: Paying suppliers on time prevents supply disruption due to unpaid supplier invoices.
- Simplicity: Less emphasis on lengthy bank processes when timing is tight.
- Scale: Depending on the security and structure, you may be able to borrow up to $10million.
- Commercial focus: Structured as a secured business loan, designed for short-term bridging rather than long amortising terms.
Caveat lending is still real lending. The loan must make sense, the security must stack up, and the exit strategy must be clear.
How Secured Lending Helps You Move Quickly and Cleanly
When you come to us, you’re usually not looking for a long conversation. You want an answer, a timeline, and certainty. Secured Lending is a non bank business lender and a Private Lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We specialise in urgent, property-secured solutions when the bank timeline doesn’t match your business reality.
We Start With the Outcome You Need
You tell us the supplier amount, the deadline, and what happens if you miss it. We treat that as a time-critical transaction, not a generic application. From there, we structure the loan around:
- The exact amount required to clear supplier invoices
- A buffer if needed for freight, GST, or final delivery payments
- A term that matches your repayment event, not an arbitrary calendar
If this is an emergency, the key is reducing moving parts. The cleaner the structure, the faster you can act.
We Focus on Property-Backed Certainty
Caveat lending is security-first. If you have residential or commercial property available as security, we can assess it quickly and outline a realistic path to settlement. This is especially useful when supplier pressure is immediate and you don’t have time for extended bank credit assessment.
Because this is secured lending, we can often provide a clear decision framework early, so you’re not left guessing while the Supplier Payment Deadline gets closer.
We Coordinate Settlement Fast When Timing Is Critical
If you need urgent support, our process is built for speed. We coordinate the moving pieces so you can pay suppliers before they pause supply. In the right deal, we can target fast, same day settlement. More commonly, we aim for funding within 24 hours once information is received and legal steps are ready.
This matters because supplier relationships are hard-earned. Paying on time protects trust, trade terms, and your ability to deliver to your own customers.
We Structure for Your Exit Strategy, Not Just Approval
A caveat loan should be short-term and deliberate. We’ll discuss how you plan to repay the facility, such as:
- Refinancing to a longer-term product once documents are finalised
- Clearing the loan from settlement proceeds
- Repaying from receivables or business cash flow within an agreed timeframe
We won’t pretend every deal is suitable. If the exit is unclear, we’ll tell you early. If it’s strong, we’ll move.
Transparent Pricing and Realistic Numbers
Your rate and costs depend on risk, security, and term. We can offer an interest rate starting at 9.2% p.a in suitable scenarios, with loan sizes that can scale to borrow up to $10million depending on the property and structure.
The point of this facility is not to be “cheap money.” It’s to be reliable money when a Supplier Payment Deadline is non-negotiable and the cost of disruption is higher.
Use Cases We See Often
A Supplier Payment Deadline caveat loan is commonly used when:
- You’re waiting on a property sale or refinance but suppliers need paying now
- A major customer is paying inside terms, but later than your supplier cycle
- You need to release goods at port or from a warehouse to fulfil orders
- You’re protecting a contract that depends on uninterrupted supply
In each case, the loan is a bridge to keep operations steady.
Private Lending
Secured Lending helps you prevent supply disruption due to unpaid supplier invoices by arranging short-term caveat loans that meet your Supplier Payment Deadline without unnecessary delays. We’re a private lender and non-bank lender in Australia, we operate Australia wide, and we’re set up to handle urgent settlement scenarios with speed, structure, and clear communication. 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.
FAQs
1. How fast can a caveat loan settle for a Supplier Payment Deadline?
In suitable cases, fast, same day settlement may be possible. Otherwise, funding within 24 hours can often be achieved once key details and documents are in place.
2. Can I use a caveat loan to pay multiple suppliers at once?
Yes. If you’re consolidating several invoices to avoid supply disruption, the facility can be structured to cover multiple payments, provided the total loan amount fits the security and plan.
3. What makes this different from a bank overdraft extension?
Banks can be slower and more document-heavy, especially under time pressure. Caveat loans are secured business loans designed for urgent settlement timeframes, with a clear short-term exit.
4. How much can I borrow to meet a Supplier Payment Deadline?
Depending on your property security and overall structure, you may be able to borrow up to $10million.
5. What interest rate should I expect?
Pricing depends on the deal, but we can offer an interest rate starting at 9.2% p.a in suitable scenarios, with terms aligned to your exit strategy.
6. Do you lend Australia wide?
Yes. Secured Lending operates Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and we can assist wherever your secured property is located.
