When an acquisition opportunity lands on your desk, time can be your biggest constraint. Whether you’re buying a business, securing a commercial property, taking out a partner, or acquiring equipment as part of a broader deal, the numbers make sense and the upside is clear—but the timeline is tight. That’s where caveat loans for time-sensitive acquisition can help. Contact us today to discuss your scenario and move quickly.
What a Caveat Loan Is and Why It Suits Acquisitions
A caveat loan is a short-term, property-backed loan where a caveat is lodged on your real estate title as part of the security. In plain terms, it’s designed for situations where you need funds quickly and plan to refinance or repay from a known exit—such as a sale, refinance, business cash flow event, or settlement proceeds.
For a time-sensitive acquisition, caveat finance is often used as bridging capital to:
- Lock in a purchase before a competing buyer moves
- Cover a settlement gap while longer-term funding is finalised
- Move on an off-market opportunity that won’t wait for bank timelines
This type of finance isn’t about replacing your long-term strategy. It’s about executing it on time.
The Key Benefits for a Time-Sensitive Acquisition
Speed When Timing Is the Deal
If your seller wants certainty now, a traditional approval pathway can be too slow. Caveat loans are built for fast outcomes, including same day settlement in some situations and funding within 24 hours where the scenario and documentation allow.
Certainty for Urgent Settlement
Acquisitions often come with immovable dates. If you’re facing urgent settlement, you need a lender that understands what must happen first, what can happen in parallel, and what cannot be left to the last hour.
Short-Term Flexibility
Acquisitions can involve layered transactions: contract exchange, deposit release, staged payments, or bridging until a refinance. Caveat finance can be structured to match the reality of the transaction instead of forcing you into a rigid template.
Access to Larger Amounts When Supported by Property
Depending on your security and scenario, it may be possible to borrow up to $10 million. The point is not “maximum size”—the point is having enough capacity to complete the acquisition without compromising your negotiating position.
Why Borrowers Choose Secured Lending for Acquisition Deadlines
In time-sensitive situations, you don’t just need capital. You need coordination. Secured Lending is a non bank business lender in Australia, and we structure secured business loan solutions for borrowers who value speed, clarity, and a clean process.
We’ve facilitated $500m of loans for urgent settlement needs. That experience matters, because time-sensitive acquisition funding is rarely “one-size-fits-all”. The best outcome usually comes from getting the structure right early and keeping the process moving.
We Move Quickly Without Losing Control of the Details
Speed doesn’t mean skipping steps. It means running the right steps in the right order, with clear responsibility. When you come to Secured Lending, we focus on:
- Confirming your property security and your acquisition timeline
- Reviewing the transaction documents and your proposed exit strategy
- Coordinating valuation and legals in parallel where possible
- Structuring the facility so funds can be released when the deal requires, not after the moment passes
If it’s an emergency timeline, we treat it that way. You’ll know what we need from you, when you’ll have an answer, and what could slow things down.
Private Lender Urgent Funding When Banks Can’t Match the Timeline
Banks can be excellent long-term partners, but acquisition timing often doesn’t fit bank workflow. If you need private lender urgent funding to execute now and refinance later, we can step in as a bridging solution.
This is particularly useful when:
- You’re purchasing a business and the vendor wants a short settlement
- You’re acquiring property with an off-market deadline
- You’re waiting on a refinance, sale, or other capital event that is underway but not yet settled
- Your accountant and solicitor have the strategy set, but the timing is tight
Clear Pricing and Realistic Expectations
Pricing always depends on the full scenario, but we keep the conversation practical and transparent. In some cases, facilities may be available with an interest rate starting at 9.2% p.a. We’ll also be direct about fees, legal costs, and what needs to be in place to move to settlement.
Most importantly, we don’t pretend every deal can be done instantly. But when the fundamentals are sound and security is appropriate, we’re set up to deliver fast outcomes, including same day settlement or funding within 24 hours when conditions allow.
Australia Wide Support Where You Need It
Secured Lending operates Australia wide. We regularly assist borrowers across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. If your acquisition is interstate, that doesn’t need to slow the process down. We’re used to coordinating stakeholders across locations, time zones, and settlement frameworks.
How the Process Typically Works
You don’t need a complicated roadmap. You need momentum and certainty.
- You outline the acquisition, timeline, and required amount
- We review your property security and confirm serviceability and exit logic
- We coordinate valuation and legals efficiently
- We structure the loan and work toward settlement in line with your deadline
If you’re working toward urgent settlement, we’ll focus on what can be done today and what must be queued immediately.
FAQs
1. Can a caveat loan help me buy a business before my long-term finance is ready?
Yes. It’s often used as a short-term bridge so you can complete a business purchase now, then refinance to a longer-term facility once financials, security, or bank timelines catch up.
2. How fast can Secured Lending fund a time-sensitive acquisition?
Depending on the security, documentation, and legal readiness, it may be possible to achieve same day settlement or funding within 24 hours. Not every scenario qualifies, but speed is a core focus.
3. What can I use as security for the loan?
Caveat loans are secured by real property. If you have suitable residential or commercial property, it can support secured business loans for acquisition purposes.
4. How much can I borrow for an acquisition?
Subject to the security and overall scenario, you may be able to borrow up to $10 million. The right amount is the amount that gets the acquisition executed with a clear exit plan.
5. Is this considered an emergency finance option?
It can be. When a deal has a fixed deadline, a deposit is at risk, or the vendor can walk, caveat finance can act as an emergency solution to protect the transaction and keep control in your hands.
6. Where does Secured Lending operate?
We are a Private Lender in Australia, a non-bank lender, and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
How We Can Help
If you’re working through a time-sensitive acquisition, your priority is simple: execute the purchase on time, without creating longer-term problems. Secured Lending will review your scenario, structure a practical caveat loan, and coordinate valuation and legals to meet your deadline. 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.
