HomeSec Business Finance

Short Term Business Loan Funding

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HomeSec Business Finance is a privately funded business finance company, specialising in funding short term business loans, or otherwise known as short term caveat loans.  We also fund 12 month “Interest Only” 2nd mortgages.


Both our short term caveat loans and 12 month 2nd mortgage are about lending funds to small business people, builders, developers, etc, who need access to cleared funds within 24 hours.


Our National Operations Office is based in Melbourne, with legal offices in every state & territory in Australia… enabling us to settle loans anywhere in Australia and New Zealand.   In most cases, we issue Letters of Offer (Conditional Approvals) to clients or their broker within 2 business hours of having received their completed application.


Once we have received the signed Conditional Aprroval back by fax or email, along with any supporting documents that may have been requested, we have legal documents ready within 4 business hours, and depending on the speed of the client, we can settle within 24 hours.



These are loans which are designed to settle within 24 hours of receiving your application. Unlike almost every other lender, we do not base approvals on the applicants income or credit history.

Instead, we simply look at the equity in the real estate being offered as security, the loan purpose (as it has to be for business or commercial investment purposes), and the Exit Strategy.


* CASH FLOW CRISIS. We had a plastering company who had secured a big job, and to secure the big job the director gave 90 day terms to the project builder.  The owner had 13 other plasterers on site working for him, and at around day 40 of 90, he ran out of money to pay wages. It was a union controlled site, so if no wages were paid, apart from having upset employees, they would be kicked off site.

Payday was a Friday and he came to us on a Thursday. We loaned him $65000 for 2 months, and secured the debt against his house in inner Melbourne.

In 2 months time, he paid us back when he got paid for the job.

OUTCOME: We saved his company and his reputation in the industry

* MAXIMISE PROFITS. We funded a doctor who needed access to $450,000 ASAP to buy new state of the art medical equipment.

To wait months for the bank would cost her business dearly, as she stood to make $3000 a day once the equipment was installed. h

So we adavanced the funds to her within 1 business day, and the bank paid us out when they were finally ready to fund her loan two months later.

OUTCOME: The HomeSec short term caveat loan made her $3000 a day profit for the 2 months while she was waiting for the bank.  It was a no-brainer!

* OPPORTUNITY TOO GOOD TO MISS. We had an electrical goods retailer who received a call from an importer who had a massive order cancelled on him.  If the retailer had a spare $500,000, he could get the whole shipments at half the usual wholesale value.

This would enable the retailer to make 200% mark up or more as a result of getting their hands on this stock, so getting a Short Term Caveat Loan for 2 months in order to get the money in 24 hours makes good business sense…. Rather than miss out on the deal, and the profits.

* CONSOLIDATION. We have many property investors who for one reason or another have fallen behind in their repayments. In order to refinance at a competitive rate, they need to bring their mortgage/s up to date.

This is where HomeSec Business Finance comes to the rescue. As long as there is enough equity in the security properties, we are not concerned about the fact that their first mortgage is in arrears…..However we will pay the funds directly to the first mortgagee to bring the loan up to date. (in these cases we do not advance the funds to the borrower)

Often the client may have left things until the last minute, and situation is that critical that the first mortgagee is ready to send the sheriff around to evict.  This is where the need for fast service is paramount.


They could need access to funds in 24 hours to….

1. Pay off an overlooked or overdue tax debt

2. Fund a short fall on a commercial property settlement

3. Provide urgent cash flow due to an unexpected downturn

4. An urgent advance on a pending refinance or property sale

We will lend for any worthwhile business or commercial investment purpose, as long as there is enough equity in the property (our max LVR is 75%), and as long as there is an Exit Strategy. (i.e.: sale of the property, refinance, or payment from a trade debtor, etc)


Basically it comes down to speed, and in many cases, lack of financial records. If the borrower can wait 2 months, the bank can maybe refinance them. If the borrower can wait 4 weeks, AND THEY HAVE FINANCIALS SHOWING GOOD CASHFLOW AND PROFIT RESULTS, they may get an overdraft or business loan.

However if you need cash TOMORROW, they come to us.

Still not convinced??? Then ask yourself…. if I needed access to a large sum of money by tomorrow (leaving out rich uncles, etc), how would you get it?


SPEED. We are virtually the only short term business lender who CAN physically settle within 24 hours. Many say they can, but their clunky business practices and lack of resources makes it impossible for them to deliver in time.

SERVICE. We issue letters of offers on approved loans within 2 business hours, and legal contracts within 3 – 4 business hours, once the Conditional Approval letter has been accepted by the borrower. We don’t require valuations, A&L statements, financial records, etc. Plus, our staff keep the clients and brokers in the loop at every stage of the 24 hour process.

INNOVATIVE PRACTICES. We email our loan contracts, rather than the 20th Century way of posting them, which could take 2 – 3 days to arrive. In addition, we settle by Telegraphic Transfer… not by cheque or internet transfer. This means the money hits the borrowers account as cleared funds within 2 business hours.

WE ARE THE LENDER. As we hold the funds that we lend out, we don’t have to go off and broker the deals to investors or other

BEWARE OF LARGE UP FRONT FEE’S. All lenders do charge a modest upfront fee of less than $1,000 to cover their costs of assessing new loan applications. However some short term business lenders promise the world, then ask for thousands upon thousands of dollars up front.

Massive upfront fee’s are simply not warranted, and borrowers should be wary of such lenders. If they approve a loan and then want thousands of dollars paid into their account up front, be very careful as many borrowers end up thousands of dollars out of pocket, and with no loan.


ASTLA is the Short Term& Bridging Finance Association, of which HomeSec is proud to be a founding member. The role of the ASTLA is to self regulate the short term finance industry to ensure the highest standard of disclosure & professionalism by it’s members.

Only genuine lenders who operate genuine finance companies may become members of ASTLA, and all mustadhere with a strict Code of Conduct. For your peace of mind when borrowing money short term, ONLY deal with an accredited member of ASTLA

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