Knote delivers responsive, direct lending for business owners, investors, and entrepreneurs who need access to capital without lengthy bank delays. Through private lending in Adelaide, we help businesses move decisively, improve liquidity, and unlock equity-backed opportunities through clear, practical solutions for time-sensitive needs.
Gap funding helps bridge financial shortfalls when traditional lenders don’t provide enough capital to meet the full requirements of a project. In Adelaide’s growing business and property market, timing often plays a critical role in securing opportunities.
Knote structures funding solutions using available equity to assist with urgent transactions, evolving project costs, or unexpected funding gaps. Our secured lending options include first and second mortgages and tailored gap funding in Adelaide, designed to keep projects progressing.
This funding approach is commonly used for acquisitions, urgent settlements, short-term bridging, and strategic equity release.
When bank criteria limit progress, Knote provides asset-backed lending aligned with real commercial needs. By utilising business or property assets, we support clients through practical funding structures, including efficient caveat loans in Adelaide, to help maintain momentum without unnecessary delays.
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 |
Established by experienced business and property investors, Knote understands the financial pressure that can arise when timing is critical. Many Adelaide businesses require fast capital for equipment upgrades, inventory, settlements, expansion plans, or unexpected expenses, especially when conventional lenders are unable to respond quickly.
As a trusted commercial lender in Adelaide, Knote supports business owners, developers, and investors with funding solutions that prioritise speed and flexibility. When opportunities arise or deadlines tighten, delays can be costly. Our lending model is designed to help you act 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.
Want to unlock equity without refinancing? 2nd mortgage in Adelaide options allow businesses to access extra capital and strengthen funding positions.
Planning to secure land for future development? Our land banking finance in Adelaide solutions help investors acquire sites early and hold for growth.
Need help managing daily business expenses? Knote offers working capital loans in Adelaide to support cash flow and short-term operational needs.
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
With adaptable lending criteria, including a 1-day ABN requirement and no lock-in terms, Knote structures funding to suit changing conditions, including tailored working capital and cash management solutions.
Investors can access simplified property funding in Adelaide to support acquisitions, refinancing, and development opportunities across South Australia.
