If you’re approaching a payout date with a private lender, the pressure isn’t theoretical. It’s a real deadline with real consequences: default interest, enforcement action, or losing negotiating power when you need it most. A caveat loan for a Private Lender Exit is designed for exactly this situation—enabling quick repayment and exit from a private lending facility—so you can clear the existing debt and move forward on your terms. Contact us today to discuss your scenario and secure a fast solution.
What a Caveat Loan Is and Why It Suits a Private Lender Payout
A caveat loan is a short-term, property-secured facility where the lender lodges a caveat on title as part of their security position. In practical terms, it’s a fast way to access funds against the equity in your residential or commercial property when you need to refinance quickly.
For a Private Lender Exit, speed is the point. You’re not taking a caveat loan to “shop around” for months. You’re using it as a bridge—repay the private facility now, protect your asset position, and then refinance to a longer-term solution when the timing is right.
Benefits of Caveat Finance for a Private Lender Exit
- Fast access to funds when banks can’t meet the timeline
- Clean exit from a private facility to stop default interest and ongoing pressure
- Less disruption while you finalise a sale, refinance, or business event
- Control and breathing room, especially where enforcement risk is rising
- Urgent response when the situation is private lender urgent, an emergency, or approaching urgent settlement
Used properly, it’s a tactical move: solve the immediate problem first (payout), then optimise the longer-term structure second.
Where Secured Lending Fits In
When you’re organising a Private Lender Exit, the biggest risk is time slippage. One missing document, one valuation delay, one bank credit committee decision—and suddenly the payout date arrives. Our role at Secured Lending is to reduce that risk by structuring a caveat loan that’s realistic, properly secured, and built for speed.
We’re a non bank business lender and a Private Lender in Australia, and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That national footprint matters because urgent deals aren’t always in one metro area, and you still need a lender that can coordinate quickly.
How We Help You Exit a Private Lending Facility Quickly
Most Private Lender Exit scenarios fall into one of these patterns:
- Your private lender wants repayment now, and extension terms are costly or not available.
- You’re refinancing, but the new lender can’t settle in time.
- You’re selling an asset, but settlement is weeks away and the payout is due sooner.
- Your business needs continuity, and you can’t afford a disruption while lenders “review”.
Secured Lending helps by taking a practical view of the security and the timing. We focus on what gets you to settlement, not what creates extra delay.
Speed and Certainty When Timing Is Critical
If your situation requires fast action, we can often work toward same day settlement where the file is straightforward and parties are ready, or funding within 24 hours in many urgent settlement cases. That speed is especially valuable when you’re dealing with a private lender urgent demand and you need the payout to land before penalties escalate.
We also provide secured business loan options for borrowers who need the exit to protect trading operations, preserve a development timeline, or keep a commercial property project moving.
Loan Size and Pricing Clarity
Every file is assessed on its merits, but we commonly help clients borrow up to $10million depending on the property security and overall position. Pricing is always scenario-dependent, but we can consider options with an interest rate starting at 9.2% p.a where the risk and security support it.
The key point is not chasing the cheapest rate in the shortest window. The key point is executing the Private Lender Exit safely, then giving you options to refinance or repay without pressure.
What We Do Differently During a Private Lender Exit
When you’re under time pressure, small execution details matter. We coordinate the moving parts so you’re not stuck managing the process while running your business or negotiating with a private lender.
- Review your payout figure, deadlines, and any default interest triggers
- Confirm the property security and equity position
- Structure the caveat loan as a clear bridge with a defined exit strategy
- Coordinate documents and settlement logistics to meet the timeline
- Move quickly where the matter is an emergency or requires urgent settlement
Because we’ve facilitated over 500 strategic commercial loans, we understand the reality of tight timeframes and the importance of calm execution.
What You Should Prepare to Move Quickly
To avoid delays, it helps if you can line up the essentials early: payout statement from the current lender, ID and entity documents if relevant, rates notice, and any existing valuations or sales contracts. The smoother the file, the easier it is to target fast settlement outcomes.
FAQs
1. Is a caveat loan suitable if my private lender is charging default interest?
Often, yes. A caveat loan for a Private Lender Exit can stop the bleeding by paying out the facility quickly, then giving you time to refinance or sell without escalating costs.
2. Can you do same day settlement for a private lender payout?
Sometimes. Same day settlement depends on document readiness, clear security position, and settlement coordination. Where it can’t be same day, funding within 24 hours is often achievable for urgent settlement scenarios.
3. How much can I borrow for a Private Lender Exit?
It depends on the property security and overall position, but we can assess requests to borrow up to $10million.
4. Do you only lend in major cities?
No. We’re Australia wide and work across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and regional areas depending on the property and scenario.
5. Is this a long-term refinance or a short-term bridge?
For a Private Lender Exit, it’s usually a short-term bridge. The aim is quick repayment and exit from a private lending facility, then a planned longer-term solution.
6. What interest rate should I expect?
Pricing is assessed case by case, but we can consider options with an interest rate starting at 9.2% p.a where appropriate. The focus is always on speed, certainty, and a clean exit.
How We Can Help
If you need a caveat loan for a Private Lender Exit, Secured Lending can review your position, confirm what’s achievable, and arrange a fast pathway to settlement through our non-bank lending process. 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.
Private Lending
Secured Lending is an experienced private lender with a proven track record in facilitating urgent exits and bridging finance for borrowers across Australia. We understand the unique pressures and timeframes involved in private lender exits and are committed to delivering fast, reliable solutions when you need them most.
