When you’re negotiating a Distressed Asset Purchase, speed is often the whole deal. The asset is priced below market because the vendor needs it gone now, settlement terms are tight, and competition is real. In these situations, a caveat loans facility can be the difference between securing the asset and watching it go to someone else with faster funding. Contact us today to discuss your scenario and move quickly.
Why Caveat Loans Suit Distressed Purchases
A caveat loan is a short-term, property-backed facility where a caveat is lodged on your property to support fast funding. In practice, it’s designed for moments where timing matters more than perfect paperwork and long credit processes.
Here’s why it fits distressed deals so well:
- Fast access to capital when the discount is time-limited. Distressed sellers often won’t wait for bank approval cycles. A caveat loan is built for urgent settlement.
- Bridging power for funds and sophisticated buyers. You can secure the asset now, then refinance to cheaper long-term funding once the dust settles.
- Flexibility around deal complexity. Distressed transactions can involve incomplete documentation, tight settlement windows, or vendor pressure. Caveat finance is typically more accommodating than standard channels.
- Leverage against property to avoid liquidating other positions. Instead of selling down investments in a hurry, you can use property equity to complete the purchase.
- Clear, short-term purpose. Caveat loans are commonly used as a secured business loan for a defined outcome: settle, stabilise, and exit via refinance or sale.
This is particularly relevant for funds acquiring assets below market due to urgency. Your return is often created at purchase. The faster you can execute, the more likely you are to lock in that advantage.
Where Distressed Deals Usually Get Stuck
Most borrowers don’t lose these opportunities because the deal is bad. They lose them because funding doesn’t match the timeline.
Common friction points include:
- Settlement periods that don’t fit bank timeframes
- A vendor demanding proof of funds immediately
- Existing facilities not releasing equity quickly
- A refinance that is logical, but not ready today
- An “emergency” gap between contract and capital availability
If you’re facing that kind of pressure, you don’t need hype. You need a lender who can confirm what’s possible quickly, set expectations, and get it done.
How Secured Lending Helps You Execute Quickly
Secured Lending is a private lender in Australia and a non bank business lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Our role is to help you move decisively when timing is tight, without dragging you through a drawn-out process that doesn’t suit the deal.
Fast Assessment Focused on the Asset and Your Exit
For a Distressed Asset Purchase, the most important question is simple: how do you get in, and how do you get out?
We’ll work with you to:
- Review the contract and settlement deadline
- Confirm what security you can provide through property
- Assess your exit path, whether refinance, sale, or capital event
- Structure the loan term so it matches the transaction reality
This keeps the funding aligned to your plan, not the other way around.
Funding That Matches Urgent Settlement Timelines
Distressed transactions can require fast, same day settlement in some cases, or funding within 24 hours when the documentation and security checks are ready. If your purchase requires an urgent settlement, we prioritise speed and coordination so you can act with confidence.
If you’ve been searching for private lender urgent options, the real value is not just speed. It’s certainty. We focus on what can be approved, how quickly it can settle, and what conditions actually matter.
Clear Loan Parameters and Meaningful Capacity
Depending on your scenario, you may be able to borrow up to $10million. We also aim for transparency on pricing, including options where the interest rate starting at 9.2% p.a may apply (your actual rate will depend on the risk profile, security, and loan structure).
This is short-term capital. The goal is not to hold it forever. The goal is to use it to secure the discount, then move to a cheaper or longer-term solution when the asset is stabilised.
Support for Funds and Sophisticated Acquisition Strategies
Funds acquiring assets below market due to urgency typically need a lender who understands that:
- The best deals don’t wait
- The paperwork often lags behind the opportunity
- Timing is part of the return
We can coordinate quickly with your solicitor, broker, and other stakeholders to reduce friction. If you’re stepping into a deal that feels like an emergency, we keep the process grounded: confirm feasibility, confirm timelines, and execute.
A Practical Bridge, Not a Permanent Solution
A caveat loan is most effective when it’s treated like a tool. We help you map the practical steps from purchase to exit, so you’re not left improvising later.
That may include sequencing:
- Settlement now using caveat finance
- Stabilisation or tidy-up period
- Refinance to bank or non-bank term debt
- Or sale once value is realised
FAQs
1. What types of distressed assets can a caveat loan help you acquire?
It’s often used where the purchase is time-sensitive and priced below market due to urgency. The key is that you can provide property security and a clear plan to repay.
2. Can Secured Lending really meet tight deadlines?
Where the scenario stacks up and documentation is in order, we can support urgent timelines, including fast, same day settlement or funding within 24 hours in suitable cases.
3. How much can I borrow for a Distressed Asset Purchase?
Depending on the strength of the security and the deal, you may be able to borrow up to $10million.
4. What does Secured Lending look at when assessing the deal?
We focus on the property security, the settlement timeframe, and your exit strategy. For distressed deals, we also consider how you’ll stabilise the asset after settlement.
5. Are you a bank?
No. Secured Lending is a non-bank lender and a Private Lender in Australia, operating Australia wide including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
6. What is a realistic use case for caveat finance in a fund-style acquisition?
When a discounted opportunity appears and the vendor demands an urgent settlement, caveat finance can bridge the gap while your longer-term funding is finalised.
How We Can Help
If you’re working through a Distressed Asset Purchase and the opportunity is real but the settlement clock is tight, Secured Lending can help you move fast with a bridging loan for a Distressed Asset Purchase. Assess your scenario today and we’ll review the numbers, confirm what’s possible, and arrange the quickest path to settlement. 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.
