Quick answer
Business owners in Adelaide and regional South Australia can borrow $20k to $5 million against residential or commercial property. In SA the loan can be secured with a caveat on the title, leaving your existing bank loan untouched. No valuation is needed before approval, and funds can be in your account in as little as 24 hours.
Key points
- Available across Adelaide, the Barossa, McLaren Vale, the Adelaide Hills and regional SA.
- Secured by a caveat in South Australia, which is quick to lodge.
- Homes, commercial property, vineyards and farmland can be considered.
- No valuation needed, and up to 6 months with no repayments.
- Loan amounts
- $20k to $5 million
- Security in SA
- Caveat, second or first mortgage
- Funding
- In as little as 24 hours
- Valuation
- Not needed
South Australia punches above its weight: defence and advanced manufacturing in the north, world-famous wine regions, a strong food and agriculture sector and a tight-knit Adelaide business community. It’s also a state where a lot of business owners hold real equity in property, and where a fast business loan secured by that property can open doors a bank is slow to.
Caveat loans in South Australia
In SA, a private business loan can be secured by lodging a caveat on the property’s title with Land Services SA. The caveat sits alongside your existing mortgage, so your bank loan, its rate and its repayments don’t change. Debt-free property can be used for a first mortgage, and a caveat can later be converted to a registered second mortgage.
No valuation is needed before approval. Read more about how caveat loans work.
How it works
- Enquire in about 60 seconds. No credit check to enquire.
- Receive a call from a lending manager, usually within 30 minutes in business hours.
- Conditional approval using photo ID, your council rates notice and your latest mortgage statement, with every cost in writing.
- Due diligence and loan agreements once you’ve signed the approval and returned your documents.
- Funds in your account in as little as 24 hours.
Where in South Australia we lend
- Adelaide: the CBD, North Adelaide, Norwood, Unley, Glenelg and Port Adelaide
- Northern and western industrial areas: Wingfield, Edinburgh, Elizabeth, Lonsdale and Regency Park
- Wine and food regions: the Barossa, Clare Valley, McLaren Vale, the Adelaide Hills and the Riverland
- Regional SA: Murray Bridge, Victor Harbor, Mount Gambier, Port Lincoln, Port Augusta and Whyalla
Homes, investment properties, commercial and industrial buildings, vineyards and farmland can all be considered.
What SA businesses use fast loans for
- Manufacturers and defence suppliers funding materials and wages for a new contract
- Wineries and growers covering costs before vintage or while stock matures
- Food producers buying equipment or packaging for a major retail order
- Builders and trades bridging slow progress payments
- Retail and hospitality owners fitting out, expanding or clearing ATO debt
A South Australian example
A family winery in McLaren Vale has a strong order from an export distributor, but the payment comes on delivery and the barrels, bottles and labels have to be paid for now. The bank wants months to review the application. The family owns the vineyard outright.
A first mortgage business loan of $900k is secured over the vineyard. With no repayments for the first 6 months and no penalty for repaying early, the loan is cleared when the distributor’s payment arrives.
Owning your premises in Adelaide
Many Adelaide businesses own the building they trade from, whether it’s a workshop in Wingfield, a shopfront on The Parade or a cellar door in the Barossa. That’s one of the strongest positions a business owner can be in. Commercial property can secure a business loan just as well as a home, and using the business’s own premises keeps the family home out of it.
If the premises are owned by a company or a family trust, that’s common and not a problem. The directors or trustees sign the documents. If the property is held in a self-managed super fund, mention it on the first call, because super fund property generally can’t be offered as security for a business loan, and your lending manager will talk through alternatives.
Why South Australian owners choose a private loan over waiting for the bank
Banks are good at long-term lending, but they are slow, and their credit policies leave little room for a recent tax debt, a messy year or a business that’s growing faster than its financial statements show. A private, property-secured loan fills that gap. It gets the deal done now, and you can refinance with a bank later once the numbers catch up.
A strong exit makes for a fast yes
The quickest approvals come from owners who can say exactly how the loan will be repaid: a contract payment, a property sale, a bank refinance once the financials are lodged. Spend five minutes writing yours down before you enquire. Our page on loan purpose and exit plans shows you how.
Terms
- $20k to $5 million, for business purposes only
- Up to 6 months with no repayments, or prepay the interest
- Repay early at any time, or extend without penalties
- Past credit issues and ATO debt considered case by case
Ready when you are
Find the property’s council rates notice, your latest mortgage statement and your driver’s licence, then send your enquiry. It takes about 60 seconds, and a real person reads it.
Elsewhere? See Sydney and NSW, Melbourne and Victoria, Brisbane and Queensland, Perth and WA and Hobart and Tasmania.
Frequently asked questions
Are caveat loans available in South Australia?
Yes. In SA a short-term business loan can be secured by lodging a caveat on the property's title, which is quick and leaves your bank loan in place.
Can winemakers and farmers borrow against their land?
Rural property, vineyards and farmland can be considered. A property-secured loan is often used to cover costs ahead of vintage or harvest.
Do you lend outside Adelaide?
Yes. Property in the Barossa, Clare Valley, McLaren Vale, the Adelaide Hills, the Fleurieu, Mount Gambier, Port Lincoln, Whyalla and other regional areas can be considered.
How quickly can I be funded?
With documents ready, approval can come within the hour and funds can be in your account in as little as 24 hours.
What if a cash flow lender has already declined me?
That doesn't rule you out. A property-secured loan is decided on your equity, your purpose and how the loan will be repaid.