Gap funding covers the difference between what a lender approves and what your project actually requires. In a competitive commercial environment, closing that gap quickly can make the difference between securing a deal and missing out.
Knote provides secured finance by utilising existing equity, making it suitable for tight deadlines, cost variations, or unexpected financial requirements. Our solutions include first mortgages, second mortgages, and gap funding in Canberra, designed to keep urgent transactions progressing.
This type of funding suits fast settlements, business purchases, bridging requirements, and releasing equity for growth.
Some opportunities don’t meet standard bank criteria, but that doesn’t mean they aren’t viable. Knote supports these scenarios through first mortgages, second mortgages, and caveat loans in Canberra, offering practical lending aligned with real business needs.
We provide quick approvals, a simple process, and funding in 24–48 hours, because your time and goals matter.
| Criteria |  |
Traditional Banks |
|---|---|---|
| Time to Funding | Same-day funding possible | Takes 2–6 weeks |
| Type of Security | 1st & 2nd mortgages, caveats, guarantees | 1st mortgage only |
| Credit Check Requirement | No credit check required to apply | Credit check generally compulsory |
| Documentation | Minimal to no documentation | Extensive documentation |
| Reuse Facility | Reuse facility available within 90 days | No reuse facility available |
| Lock-in Period | No lock-in period – use funds for a day | Typically 30 to 120 days |
| Repay Period | Repay anytime without penalty | Usually more than a year |
Knote was established by experienced business and property investors who understand the importance of timing. Businesses often need fast access to capital for acquisitions, equipment, inventory, settlements, cash flow requirements, or when unsecured lending through banks takes too long.
As a trusted provider of cash flow loans in Canberra, Knote helps business owners, developers, and investors secure funding without unnecessary delays. When opportunities arise or deadlines tighten, slow lending responses can hinder progress. Our flexible options help you move forward with confidence.
We fund what banks reject — second mortgages, caveats, and fast turnaround loans for business growth and commercial opportunities.
Securing your first mortgage for a commercial or investment transaction? Access a seamless, hassle-free financing solution without delays.
Need to access additional capital without refinancing? We provide 2nd mortgage in Canberra to help unlock equity and meet your funding objectives.
Planning ahead for future development? Knote offers land banking finance in Canberra to help you acquire and hold land intended for long-term commercial or investment use.
Want to fund a business using investment property equity? We can release it with a caveat.
Business funding made simple: secure capital with crypto-backed loans tailored to commercial transactions
Through property funding in Canberra, we offer adaptable lending criteria, including qualification with a 1-day ABN, repayment flexibility, and solutions tailored to evolving business needs.
Supported by experienced assessors and efficient processes, Knote provides quick funding solutions, including private lending in Canberra for equity-backed opportunities.
