About us
About Fast Caveat Loans
We arrange caveat-secured business loans for Australian owners who have property equity, a deadline and a clear way to repay.
Who we help
Business owners across Australia who own property — a home, an investment, their premises — and need funds faster than a bank can move. The reasons vary: a tax debt with a date on it, a settlement that's short, a supplier deal that won't wait, a business purchase where the main funding is running late. What they have in common is equity in property and a specific event that will repay the loan.
We work with sole traders, partnerships, companies and trusts, across residential and commercial property, from capital cities to regional centres. Every loan is for business purposes.
Why caveat loans
A caveat loan is one of the quickest property-secured structures available. The loan agreement gives the lender its interest in the property, a caveat records that interest on the title, and your existing mortgage stays exactly where it is. On property-secured loans, $20k to $250k is possible the same day and up to $5m is possible within 24–48 hours when the file is ready.
But speed is only half of it. A caveat loan is short by design, so we spend as much time on how it ends as on how it starts. If a registered second mortgage, a first mortgage or an unsecured facility would suit you better, we'll say so. Read how caveat loans work for the detail.
Our promises
No credit check to enquire
Telling us about your property and what you need leaves your credit file untouched. A credit check only comes up once you choose to proceed.
Not sprayed to a lender list
Your enquiry isn't auctioned off or copied to a dozen funders. One team reads it and works out the right structure.
A real person on your file
A lending specialist calls you, asks about the property and the exit, and explains what's realistic. Accurate form answers make that first call count.
Put simply: asking what's possible costs you about 60 seconds and nothing on your credit file. Your details aren't sprayed out to a list of lenders hoping one sticks. A real person reads your enquiry, works through the equity and the exit, and calls you. In return, we ask one thing — fill the form in accurately, especially the property value, what's owing and when you need the funds, so we can match you to the right structure the first time.
How we work
- Equity first. We measure combined LVR on realistic values and payout figures, not hopes.
- Exit always. Every loan has a named way out and a buffer in the term.
- Costs in dollars. We don't publish rates. You see the total dollar cost of a loan before you commit.
- Plain English. We explain the documents, the caveat and what happens when you repay.
- No judgement. Past credit issues and ATO debt considered case by case.
What we lend
Property-secured business loans from $20,000 to $5,000,000 — caveat loans, second mortgages and first mortgages over residential or commercial property. Where property isn't the right answer, trading businesses may qualify for unsecured, cash-flow or line-of-credit options, typically $5,000 to $500,000, sized on turnover and bank statements. Business purposes only.
Fast Caveat Loans is operated by the operators of Fast Caveat Loans. Want to see where you stand? Try the Caveat Loan Feasibility Checker, or tell us about your property and deadline.
Property equity and a deadline? Let's check the numbers
One short enquiry about the property, the amount and your exit. No credit check to ask, no lender list, and a real person who calls you with the structure that fits.
No credit check to enquire
Not sprayed to a lender list
A real person on your file