How it works
Get funded in as little as 48 hours from first enquiry.
1
Tell us what you need
Complete our short questionnaire with your loan amount, the property you are offering as security and how the funds will be used. Takes 2 minutes.
2
Get your offer
We review your application and provide a letter of offer within 24 hours, with the rate, fees and valuation cost disclosed upfront.
3
Valuation, caveat, funds
Once you accept and the valuation is complete, a caveat is lodged over the property and the funds are released. Most caveat loans settle within 48 hours of acceptance.
What a caveat loan is
A caveat loan is a short-term business loan secured by a caveat lodged on the title of a property you own. The caveat sits behind any existing mortgage and records our interest in the property, so the loan can be approved and settled far faster than a registered mortgage.
Because the loan is secured against the property rather than your trading history, the assessment centres on the property value, the current debt against it and your exit strategy. Terms run from 1 to 24 months, interest only, and the loan is repaid from a refinance, a sale or business cash flow.
Caveat loans are for Pty Ltd companies only. Every loan is commercial in nature and every property is valued before funds are released.
Speed
Approval within 24 hours, most loans settle within 48 hours of acceptance.
Any property type
Residential, commercial or land, anywhere in Australia. No postcode restrictions.
Behind your existing mortgage
The caveat sits behind your current bank loan, which stays exactly as it is.
Clear exit
Repay from a refinance, a sale or business cash flow at the end of the term.
How our clients use caveat loans
Short-term commercial funding for Australian companies secured against property.
ATO & BAS Debt
Clear tax debt fast and restore your borrowing capacity
Working Capital
Bridge a cash flow gap and keep the business trading
Urgent Settlement
Settle a purchase or stop a mortgagee sale when the clock is running
Stock & Equipment
Buy the stock, vehicles or machinery a new contract needs
Bridging Finance
Bridge between selling one property and buying another
Equity Release
Unlock equity in your property for business purposes
Loan parameters
Transparent terms. No hidden fees. Interest only payments.
$100,000 - $10,000,000
Loan amounts available
From 1.75% per month
Caveat loan interest rates
1 to 24 months
No minimum loan term
75% LVR
Maximum against residential security
Interest only
No principal repayments during term
All security types
Residential, commercial and land accepted
Australia-wide
No postcode restrictions
Pty Ltd borrowers only
An Australian company with property security
Valuation on every loan
Quoted before it is ordered
Why Vivian Locke Capital?
Vivian Locke Capital specialises in commercial mortgages for Australian based companies. We have a $30 million funding line specifically set aside as a non-bank facility, so the capital is ready when you need it.
Our loans are secured against Australian property nationwide. We make fast decisions with clear communication. No unnecessary delays or middlemen.
We always make sure that our core value of ethical transparency is upheld. Valuation quotes are provided before valuation and clients proceed independently if they are happy with the pricing offered.
Fast decisions, no delays
You speak directly with the decision maker. No delays, no runaround.
$30 million dedicated funding line
Purpose-built non-bank facility means we have the capital ready.
Pty Ltd borrowers, property security
We assess the property value, the debt against it and your exit, not months of trading statements.
Ethical transparency
All fees, rates and valuation costs disclosed upfront. No hidden charges.
Real examples
How caveat loans have helped Australian businesses move fast.
Pimpama, QLD
$1,000,000
Urgent settlement to save property from mortgagee possession
Our client operates an interior design business on the Gold Coast and urgently needed a quick settlement to save their property. They had been developing a home in Pimpama, but inflationary cost blowouts put them in mortgagee possession with their existing bank. We organised an urgent settlement and the client kept the property.
Flinders View, QLD
$125,000
Urgent working capital for carpentry business
Our client required $125,000 for his carpentry business, for urgent working capital to cover expenses, invoices and subcontractors for upcoming projects. We released these funds quickly against his property.
Moreton Island, QLD
$200,000
Urgent capital raise for business
We provided a $200,000 capital raise for a client who needed urgent funds for his business. We offered a 6-month pre-paid facility against his unencumbered leasehold property on Moreton Island.
Spalding, SA
$240,000
Rural property purchase with postcode restrictions elsewhere
Our client needed to settle a very rural property purchase in Spalding, South Australia. Many other finance providers couldn't approve due to postcode restrictions, but we were able to offer an approval and settled on a 12-month prepaid loan term.
Toorak, Melbourne, VIC
$320,000
ATO debt removal + working capital
Our client needed to remove ATO debt, purchase stock and fund working capital while restructuring his wholesale furniture business. Being in debt to the ATO precluded him from major banks. Using a lowly leveraged investment property as collateral, we provided the funds and the business is now trading strongly.
Nashua, NSW
$500,000
Urgent funding for film production project
Our client operates a film production company and urgently needed $500,000 for an upcoming project. He had large equity in a Byron Bay Shire home in Nashua and contacted us. We released funds within a week of the valuation.
What we need from you
To provide a letter of offer, we require the following information.
Loan details
1
Clear commercial use of the funds with the amount required
2
The term required (1-24 months) and your exit strategy after our term expires
3
Details of the borrowing Pty Ltd company with its ABN and the nature of the business
Security details
4
The full address of the proposed security and details of the security type (house, land, commercial premises, etc.)
5
Your estimated value of the proposed security and the current debt level on the property
6
Details of the guarantor(s) and their ID to comply with AML and KYC requirements
Fair and transparent valuations
Every loan is secured against a valuation of your property, carried out at fair market value by our panel of professional valuers. There is no loan without one.
Valuation quotes are provided before the valuation is ordered and you proceed independently if you are happy with the pricing offered. All fees, rates and valuation costs are disclosed upfront.
Ready to get funded?
Complete our 2-minute questionnaire and get a personalised rate within 24 hours. No credit score impact.
GET YOUR RATEPty Ltd borrowers with Australian property security. 24hr approval. Funds paid fast. Australia-wide.
Important Information
- Please note that we do not offer personal or consumer loans. Loans are commercial only in nature.
- Please be advised that you must provide a suitable serviceability letter from your accountant or financial planner, and clearly state your exit strategy for the loan.
- Please ensure you provide all forms of ID to comply with AML and KYC requirements and be a registered director of an Australian company.