When a supplier offers sharp pricing, a competitor runs out of stock, or a contract lands with tight delivery dates, you don’t have time for a slow approval process. A caveat loan for urgent inventory funding can be the difference between securing stock that sells quickly and watching the opportunity pass. Contact us today to move fast on your next opportunity.
What Is a Caveat Loan for Urgent Inventory Funding?
A caveat loan is a short-term loan secured by property, where a caveat is lodged on the title to protect the lender’s interest. In practice, it’s a way to access a secured business loan quickly, without waiting through long bank assessment timeframes.
These facilities are often used when:
- You need an urgent settlement with a supplier
- Stock will convert to cash fast once it lands
- You’re bridging a timing gap between paying suppliers and receiving customer payments
- You need an emergency solution while a longer-term refinance is underway
Why Caveat Finance Suits Urgent Inventory Purchases
Inventory is only valuable if you can buy it at the right time. If the stock is tied to confirmed demand or a clear sales channel, fast capital matters more than perfect timing on cash flow.
- Fast access to capital: In the right scenario, it can support fast, same day settlement or funding within 24 hours.
- Opportunity capture: Move on discounted supplier runs, seasonal peaks, or contract-driven purchases.
- Short-term flexibility: Designed as a bridge, not a long-term handbrake.
- Clear security structure: Property-backed lending can be simpler to execute than unsecured options when time is tight.
- Scale when needed: Depending on the scenario, you may be able to borrow up to $10million.
You’re not using this type of lending because it’s trendy. You’re using it because speed and certainty protect margin, relationships, and revenue momentum.
Where Secured Lending Fits In
Secured Lending is a private lender in Australia, and a non bank business lender operating Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Our role is to structure short-term property-backed funding when timing matters and you want a clear path forward.
We focus on outcomes: securing the inventory, meeting the supplier deadline, and ensuring the loan exit is sensible.
How We Assess Inventory Funding Urgent Quickly and Responsibly
Speed is only helpful when it’s controlled. When you come to us for a caveat loan for an urgent inventory funding need, we move quickly, but we don’t skip the basics that protect you.
We will typically review:
- The property offered as security and equity position
- The purchase purpose and how the inventory turns into cash
- Your settlement deadline and supplier requirements
- Your intended exit strategy (sale of stock, refinance, or incoming receivables)
- Whether the structure supports an urgent settlement without creating avoidable pressure later
Because we’ve facilitated over 500 strategic commercial loans, we’re used to real-world constraints: partial deliveries, staged invoices, supplier cut-off times, and warehouse timelines.
Common Inventory Scenarios We Help Fund
Caveat loans can be a strong fit when inventory has immediate revenue potential, such as:
- Importing stock with confirmed purchase orders ready to fulfil
- Replenishing fast-moving lines before a seasonal surge
- Buying a discounted bulk lot from a distressed supplier
- Funding stock required to start a contract with delivery milestones
The point is simple: you’re funding inventory that moves, not inventory that sits.
Timeframes and What “Fast” Can Actually Look Like
If you’re dealing with an urgent settlement, we structure the process around it. In suitable cases, we can coordinate documentation and valuation steps to support same day settlement. More commonly, we work toward funding within 24 hours once the key items are in place and the security position is clear.
If your situation is genuinely emergency timing, we can also coordinate alongside your solicitor to reduce friction and prevent last-minute surprises.
Pricing and Loan Size
Pricing depends on security, risk, and timeframes. As a guide, we can offer an interest rate starting at 9.2% p.a in suitable scenarios. Loan sizes can range from smaller bridging amounts through to larger facilities where you may borrow up to $10million, depending on the property security and overall structure.
Private Lender Urgent Doesn’t Mean Reckless
Searching for a private lender urgent solution usually means you want certainty. You want to know the lender can actually settle, not just issue a term sheet. At Secured Lending, we focus on:
- Clear approval steps
- Realistic timeframes
- Upfront discussion of fees, interest, and exit strategy
- Coordinated settlement so you can pay suppliers on time and release stock quickly
How We Can Help
If you need a caveat loan for urgent inventory funding, we’ll review your scenario, confirm the property security position, and structure a short-term bridging loan that matches your supplier deadlines and your sales cycle. 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. Can a caveat loan be used specifically for inventory purchases?
Yes. If the loan is secured by property and your plan for turning inventory into cash is clear, a caveat loan can be used to fund inventory purchases with immediate revenue potential.
2. How fast can you settle for an Inventory Funding Urgent purchase?
In suitable cases we can support fast, same day settlement. Many scenarios can be structured for funding within 24 hours once security and documentation are confirmed.
3. What security is required for secured business loans like this?
These are secured business loans backed by residential or commercial property. The property security position is central to approval and pricing.
4. What loan amounts are available for urgent inventory funding?
Depending on the property and overall structure, you may be able to borrow up to $10million.
5. 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, and Canberra.
6. What interest rate should I expect on a caveat loan?
It depends on the scenario, but there are options with an interest rate starting at 9.2% p.a in suitable cases, with pricing influenced by security, urgency, and the strength of the exit plan.
