Caveat Loans
Small gaps. Quick moves.
Access up to $100,000 for a defined business need, supported by your New Zealand property equity.
Caveat Loans for Your Business
What is a caveat loan?
A caveat loan helps you access equity in your New Zealand property for short-term business funding, investment property renovations or bridging finance.
The loan is backed by a security agreement, with a caveat lodged on the title to protect the lender’s interest. A caveat does not itself create a mortgage or a right to sell your property.
Kinox assesses your property, funding purpose and repayment plan. No valuation report is required—just your loan repayment statement and recent bank statements. Existing lender consent and priority arrangements may be needed.
Once all amounts owing are repaid, we arrange for the caveat to be withdrawn.
Unlock your equity. Keep your business moving.
What Can a Caveat Loan Help With?
- Business cash flow. Cover stock, equipment and supplier payments.
- Property projects. Fund investment property renovations or completion costs before sale.
- GST and tax payments. Bridge a temporary business tax shortfall.
- Settlement gaps. Complete a business-purpose purchase while waiting for sale proceeds or refinancing.
Tell us how much you need, when you need it and how you’ll repay.
Business purposes only. Excludes personal home renovations and household spending.
Why Choose Kinox?
- Practical lending. We focus on your property, business needs and repayment plan.
- Efficient legal support. Our in-house team works with your solicitor to keep things moving.
- Transparent pricing. Know your interest, fees and repayment terms before you commit.
- Personal service, nationwide. Work directly with our team, wherever you are in New Zealand.
Exit Strategy: What You Need to Know
Your exit strategy explains where repayment will come from and when. It should cover the principal, interest and fees.
- Property sale: account for settlement timing and other secured debt.
- Refinancing: identify a realistic lender and approval timeline.
- Business receipts: show the expected cash flow and payment dates.
Allow for delays and discuss a backup plan. Extensions require reassessment and agreement; they are not automatic. Your property may be at risk if you cannot repay.
Four Steps to Funding
Apply Online
Just enter your basic details, current lending, and your exit strategy.
Fast Review
We check your property title, LVR and exit plan, with a response targeted within 24 hours.
Review Offer
Consider the rate and fees, and discuss the offer with your solicitor.
Sign & Fund
Sign the loan documents. Once conditions are met, we register the caveat and release funds.