Short-Term Finance
Fast, short-term funding secured by caveat.
When days matter, a caveat loan is the quickest way to draw on your property equity — placed across our panel for a business purpose.
The fastest way to draw on property equity.
When you need funds in days, not weeks, a caveat loan is often the quickest option. We arrange short-term caveat finance and place it with funders on our panel who can lodge a caveat over your property and advance against your equity fast.
A caveat is a notice registered on a property's title that protects the lender's interest. Because it's quicker and lighter than registering a full mortgage, a caveat loan can settle rapidly — making it ideal for very short-term, business-purpose needs with a clear, near-term exit. It's for investors, developers and business owners with an ABN, never consumer lending.
Caveat loans are short and sharp by design: small-to-moderate amounts, short terms, repaid from an imminent sale, settlement or refinance. We make sure the exit is real and place the deal with a lender who can move at the speed you need. Indicative answer within hours where it's urgent.
Why arrange a caveat loan through X Private.
Funded in days
A caveat is faster to register than a mortgage, so funds can reach you quickly when timing is critical.
Light-touch security
A caveat protects the lender's interest without the full mortgage registration process.
Very short terms
Days to a few months, repaid from an imminent sale, settlement or refinance.
Built for business borrowers
Urgent working capital, a deposit, a tax deadline or a deal that can't wait — for a business purpose.
Clear exit required
We only place caveat loans with a credible, near-term repayment, so it's used the right way.
Specialist fast lenders
We place with funders set up to assess and settle caveat deals at speed.
When a caveat loan fits.
Urgent, short-term, business-purpose needs with a clear exit. Common uses:
- Meeting an urgent settlement deadline
- A short-term deposit before longer finance settles
- Covering a time-critical tax or supplier payment
- Bridging days until a property sale completes
- Seizing a deal that can't wait for a full mortgage
- Short-term working capital for an operating business
- Topping up funds pending a refinance
- Releasing equity briefly for the next opportunity
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
It's short-term funding secured by lodging a caveat — a notice on your property's title that protects the lender's interest. Because a caveat is quicker to register than a full mortgage, the loan can settle fast, which is why it suits urgent, short-term needs.
We're a specialist property finance brokerage: we place caveat loans with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Caveat loans here are for a genuine business purpose with a clear exit, not consumer or owner-occupied lending.
Very fast — often within a few days, and sometimes faster for urgent deals with clean security and a clear exit. Where it's time-critical, we can usually give an indicative answer within hours.
From a near-term exit — typically an imminent property sale, a settlement, or a refinance onto longer-term finance. We confirm the exit is real before placing the deal.