Urgent Short-Term Funding
Get urgent short-term funding with caveat loans. Approved in 24 hours with urgent settlement available. Perfect for time-critical situations.
When you need funds urgently, caveat loans provide a quick solution. At NWF Capital, we specialise in fast caveat loans that can be approved within 24 hours. A caveat is registered against your property as security, allowing us to provide rapid funding when traditional lenders can't.
Urgent short-term funding when you need it most
Fast approval and funding process
Minimal documentation required
Flexible repayment terms
Competitive interest rates
Urgent settlement available
Submit your caveat loan application urgently
Quick assessment of your property and situation
Fast approval decision within 24 hours
Register caveat on your property
Fast settlement once approved
We understand urgency. Get approved and funded when time is critical.
Quick process with minimal documentation requirements.
Our team specialises in urgent funding solutions.
A caveat loan is a short-term loan secured by registering a caveat against your property. It's designed for urgent funding needs.
We can approve caveat loans within 24 hours, with urgent settlement prioritised.
Caveat loans can be used for various purposes including business needs, property purchases, debt consolidation, and other urgent financial requirements.
Interest rates are competitive and vary based on the loan amount, term, and your circumstances. We're transparent about all costs.
Structure
A caveat is a notice lodged on your property title that protects our interest by preventing dealings with the property without our knowledge. Because lodging a caveat does not require the consent of your existing mortgage holder, it is the fastest form of property-secured funding available — which is exactly why it exists.
Caveat facilities are short by design, typically one to six months, with interest capitalised so there are no monthly repayments during the term. They are priced above registered first and second mortgages because the security position is weaker, and they suit situations where the cost of delay exceeds the cost of capital.
The exit needs to be clear and near-term: a sale settling, a refinance completing, a receivable landing, or a defined cash event. We will work through the timing with you honestly at assessment — a caveat with an exit six months beyond its term is a problem waiting to happen, and we would rather structure it properly at the outset.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Use Cases
An ATO payment arrangement about to default. A supplier or creditor deadline that cannot move. Stock or a contract available at a discount for a limited window. Stopping enforcement action by an existing lender while a refinance is arranged. Completing a settlement where finance has fallen through at the last moment.
What these have in common is a hard deadline and a real financial consequence for missing it. Caveat funding is not the cheapest money available, and it should not be used where a registered second mortgage would do the same job on a longer runway. Where speed genuinely is the constraint, it is often the only structure that works.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
A caveat is a notice lodged on a property's title recording that a third party has an interest in the property. It prevents dealings with the title without the caveator being notified, which protects the lender's position without requiring a registered mortgage.
A registered second mortgage generally requires the first mortgagee's consent, which depends on a bank's internal timeframes. A caveat does not require that consent, removing the main source of delay.
Amounts depend on the equity available above existing debt. Caveat facilities are usually smaller and shorter than registered mortgage facilities, and where a larger or longer facility is needed we would generally recommend a registered second mortgage instead.
It does not change the terms of your existing facility. Your first mortgagee remains in first position and is repaid first in any sale.
In full at the end of the term from a defined exit — typically a property sale, a refinance, or a specific cash event. Interest is generally capitalised, so there are no repayments during the term.
Yes. The assessment is anchored to the equity in the property and the credibility of the exit rather than to your credit file.
Related
Fill out our simple application form and we'll have a decision for you within 24 hours.