Short Term Business Lending Explained

Short Term Business Loans are designed for business people and investors who need access to funds TODAY!!!  Banks are too slow, and only companies such as HomeSec Business Finance can get businesses and commercial investors the funds they need for legitimate business or investment purposes…. FAST!. These loans come under many names, such as Bridging Loans, Short Term Business Loans, and the most common name…. Caveat Loans.

Cropped shot of a businessman standing in the office with his arms folded looking confident and smiling at the camera

What Sets Us Apart From Our Competitors ?

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

2. SERVICE. We issue letters of offers on approved loans within 2 working hours, and legal contracts within 5 working hours once the offer has been accepted by the borrower.   We don’t require valuations, A&L statements, financial records, etc. Our staff keep the clients and brokers in the loop at every stage of the 24 hour process.

3. 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 working hours.

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We had a plastering firm who had secured a large contract, and to secure the big job the director gave 90 day terms to the project builder. The plasterer 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 Kew. In 2 months time, he paid us back when he got paid for the job. OUTCOME:  We saved his bacon.


We have recently funded a doctor who needed access to $450,000 to buy medical equipment.   The money she would have otherwise had to pay for this new consignment was not yet due and payable from the companies who she had sold her last consignment to.   This new consignment would see her make 300% mark-up inside 2 months, so to pay our rate to get immediate access to the funds for 2 months was a small price to pay in order to make a large profit.   We will get paid back from the realized income from the sale of either consignment one or two, or from a refinance of her property portfolio… whichever occurs first.


We had an electrical goods retailer who was notified by an importer of plasma televisions that an order of 500 plasma’s had been cancelled and that the bulk shipment was now on the wharf and the first in with cash can buy the lot off price. It is a straight forward commercial transaction where a manufacturer wants to clear the cancelled order at a reduced price. The retailer stood to make 200% mark up or more if they could get their hands on this stock. The problem was the retailer did not have a spare $150,000 in clear funds.   Knowing that he has less than 24 hours to raise the money or else he would miss out on the deal,  he came to us and used the equity in his house to secure the loan. As the LVR was slightly over our 75% limit, we also took a fixed and floating charge over his company to secure the shortfall. The loan was for 2 months, and he used the proceeds from the sale of the plasma’s to repay the loan within 2 months.  Yes he paid 4% per month for the money, but made 200% mark up.


We had a property investor who for one reason or another, had fallen behind in his mortgage repayments on his investment property. (which was owned in a company name)  In order to refinance at a competitive rate, he needed to bring his mortgage up to date.    This is where we came in.   As long as there was enough equity in the security property, we were not concerned about the fact that the first mortgage was in arrears…..However we advanced the funds on the basis that we pay it directly to the first mortgagee to bring the loan up to date.  (in these cases we do not advance the funds to the borrower)  Had we not have been able to assist, the client would have had some difficulty in refinancing at a competitive rate, and stood the risk of receiving a large default on his credit file, and possibly even losing the property in a mortgagee auction


1. Pay off an overlooked or overdue tax debt
2. Fund a short fall on a property settlement
3. Provide cash flow due to an unexpected downturn
4. Fund an urgent advance on a pending refinance or property sale

We will lend for any worthwhile business or 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 refinance them.   If the borrower can wait 2 weeks, AND THEY HAVE FINANCIALS SHOWING GOOD CASHFLOW AND PROFIT RESULTS, they will 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?

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