Caveat loans

Starting from $100.000

A caveat loan is the solution if you need capital quickly and can use real estate as collateral. With a caveat loan, you can easily use the value of your property without selling it. Whether you temporarily need extra liquidity or want to invest in new business opportunities, Briqwise gives you quick access to the financing you need. With flexible terms and a smooth application process, we help you achieve your business goals.

Apply for funding

Take out a caveat loan with Briqwise

At Briqwise, we understand that sometimes you want quick access to capital without complicated procedures. A caveat loan offers an easy and fast way to obtain financing with real estate as collateral. This type of loan allows you to use the value of your property for business investments or to resolve temporary liquidity issues. You can immediately use the value of your property without selling the property.

Our caveat loans are flexible and customized, so you can quickly get the resources you need. At Briqwise, we ensure an efficient and transparent process so that you can invest in the future of your company without worries.

How to apply for your caveat loan

Applying for a caveat loan from Briqwise is easy and fast. Start by filling out our online application form, where you provide basic information about your property and financing needs. This gives us a clear overview of the options and helps us to offer you a quick solution.

After receiving your request, our experts will immediately start assessing your property as collateral. The process is fast, so you can access the desired financing within a short time. At Briqwise, you can count on smooth processing and a personal approach, so that you can have the necessary capital without delay.

Take the rapid test

A caveat loan in 6 steps

Getting a caveat loan through Briqwise is easier than you think. With our step-by-step process, we guide you from start to finish, so that you can realize your financing without stress. Wondering how it works? Here are the five steps:

Submit a request

The adventure starts with submitting your application. You can easily do this via the registration form, where you fill in some basic information about yourself and the property. You will have this arranged in no time.

Property assessment

After your request has been received, we will start assessing the property. Our experts look at the value and potential of your property. This is an important step, because it determines how much you can borrow. But don't worry, we'll keep you up to date all the time.

Approval

If the review is positive, your application will be approved.

Placement on the platform

We then place them on our platform. Here, investors can view your project and decide whether they want to invest. This makes our process unique and flexible, because we work with a broad network of investors.

Matching investor (s)

Now comes the exciting part: finding the right investors. Thanks to our platform and network, this is usually very fast. Investors see the potential in your real estate and want to contribute to your dream. Before you know it, your funding will be complete.

Payout

The final step is the payout. Once the investors have been found and everything has been arranged, you will be paid the necessary amount. Now you can finally get started with your real estate. And best of all? You have nothing to worry about.

With these five steps, Briqwise makes getting a caveat loan for your company simple and clear. We'll guide you through every step, so you always know where you stand. Ready to get started? Submit your application today and take the first step!

Important before applying for a caveat loan

Before you apply for corporate finance, it is important to prepare a number of things properly. First of all, you need to have a clear picture of your financing needs. How much capital do you need and what will you use it for? It is wise to draw up a clear plan outlining your business goals and the use of the funding.

With or without a broker

When applying for a caveat loan, you can choose to do this with or without a broker. A broker can help you find the best financing option and guide you through the process. This is especially useful if you have little experience with this type of loan and need extra guidance.

On the other hand, you can also apply for a caveat loan directly from Briqwise, without the intervention of a broker. This saves costs and gives you more control over the application process. Whether you choose to apply directly or via a broker, Briqwise is always ready to support you with fast and flexible financing solutions.

Using or selling your property?

Are you faced with the choice of selling your property or using it as collateral for a caveat loan? Both options have their advantages. Selling real estate can result in a substantial sum that you can immediately use for investments. However, using your property as collateral with a caveat loan gives you access to capital while retaining ownership. This offers more flexibility and lets you benefit from the value of your property without losing it.

At Briqwise, we help you make the right choice based on your current business needs and goals. Whether you opt for a collateralized loan or sale, we'll make sure you have quick access to the financing you need to grow your business.

Amortization free for 50% of the caveat loan

At Briqwise, we offer the possibility to keep up to 50% of your caveat loan amortization free. This means that during the term of the loan, you only pay interest on this part of the loan, without repaying the principal. This can significantly reduce your monthly expenses and offers more financial space for other business investments or cash flow needs.

This interest-only option is particularly attractive if you need temporary liquidity or if you expect your business investment to pay off over time. With flexible terms and a personal approach at Briqwise, you have the freedom to tailor your caveat loan to your specific financial situation.

Interest rate caveat credit

The interest rate on a caveat loan is an important factor that determines how much you pay each month. At Briqwise, we strive to offer competitive and transparent interest rates that match the value of your collateral and the duration of the loan. The interest rate is determined based on various factors, including the project's risk assessment and the market value of your property.

Our focus is on offering flexible interest rates that suit your needs, so you know exactly where you stand. At Briqwise, we ensure that the costs are clear and organized, so that you can use your caveat loan with confidence without unpleasant surprises.

Our statistics

Since 2019, Briqwise has been ensuring that entrepreneurs realize dreams and investors secure their financial future. Sober, no hassle, just do it, that's us.

$ 406m+

Funded volume

700+

Funding provided

Avg <14 days

Application for money in the bank

97%+

Funding success rate

*This data has been compiled by Briqwise and shows historical data up to April 2024.

Briqwise success stories

All these entrepreneurs do what they are good at, doing business. We are proud to contribute to this. Briqwise has built up a lot of knowledge in the field of caveat loans and ensures that your money keeps moving.

Entrepreneur talking

How do you arrange financing for your business premises?

Six years ago I started my own skin therapy practice. We were doing well – growing fast and needing extra space. So we started looking to buy a business premises with more room and as a pension provision.

Doortje about Briqwise

The benefits of a caveat loan with Briqwise

At Briqwise, you opt for speed, flexibility and simplicity when you take out a caveat loan. This type of loan offers you quick access to capital by using real estate as collateral, without the need for extensive credit checks or lengthy procedures. Whether you want to make an investment, need working capital, or want to take advantage of another business opportunity, a caveat loan gives you the financial space you need.

Speed

One of the biggest advantages of a caveat loan with Briqwise is the speed. No one likes long waiting times, right? With us, you will have clarity about your request in no time. Thanks to our efficient process, you can switch quickly.

Flexibility

In addition, we offer enormous flexibility. We have the solution that's right for you. Our range is diverse and adapts to your specific situation. No hassle, just customization.

Real estate as the most important assessment criterion

Another unique advantage is that we use real estate as the most important assessment criterion. This means that we mainly look at the value and potential of your property, which significantly increases the chances of success of your application. This allows you to secure the financing without worries.

High success rate

Thanks to our unique approach and focus on real estate, you have a great chance of success at Briqwise. We look beyond traditional banks and offer solutions that really work for entrepreneurs and real estate developers.

From 100k and an LTV up to 70%

With funding from 100k and an LTV up to 70%, we offer solutions that suit a wide range of budgets and needs. So, why should you still have doubts? Discover the benefits of a caveat loan with Briqwise today.

Personal contact

Personal contact is also our top priority. Although we've automated a lot, we think it's important that you can always speak to someone for advice and guidance. This ensures that you never feel lost in the process.

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FAQs for caveat loans

What documentation do I need to provide?

Initially, you provide the most important information about the collateral to be financed and the desired loan amount via the application form.

After that, we need more information from you, such as:
* A valuation report prepared by a certified appraiser
* Copy of ID
* Lease agreements (when the property is rented)
* Purchase contract (upon purchase)

Are you applying for funding through your company? Then we need more:
* Recent financial statements

What are the costs of an application?

More details about the costs can be found on our rates page.

What types of properties can be financed?

Whether properties for rent, properties for personal use or a combination of both: they are all welcome at Briqwise. (Commercial) homes, business units, office buildings, recreational real estate, hospitality properties, retail real estate, combination buildings, agricultural companies or agricultural land: almost any form of business real estate can be considered collateral for us. Real estate that we do exclude are properties related to the sex industry, (soft) drugs or the arms industry.

Can my financial advisor or intermediary submit an application on my behalf?

Definitely! Intermediaries that are known to us can submit a financing request via the intermediary portal. Is this the first time that your advisor works with Briqwise? Through our brokers page he or she simply creates an account.

What information do investors see?

At Briqwise, we draw up a so-called Information Memorandum. In this document, we write about the funding goal, the collateral, your background as an entrepreneur and the repayment capacity. We also add a good photo and the terms and conditions of the financing. This Information Memorandum can request investors who are interested in providing the funding. Approval of this memorandum takes place while signing your Consent Letter.

The information in the memorandum will not appear on our website and can only be requested by investors who are connected to the Briqwise platform.

How long does a journey via Briqwise take?

You will always receive an indication of the feasibility and financing conditions within 24 hours. We will then complete the file and will be happy to schedule an appointment with you afterwards. The sooner you provide the necessary documentation, the faster we can switch. Our internal review takes 2 business days. After that, you will receive our Consent Letter, or the quote. Once you have signed this letter, we will approach our investor pool. Most applications are claimed within a few days. Has the investor legally confirmed his claim? Then we send the file to the notary.

How does penalty-free repayment work and what are the benefits?

Financing provided via our platform can be repaid without penalty. This means that you can repay the loans you borrow through Briqwise without having to pay a penalty. How nice is that?! Do you want to make use of extra repayments? These are always deducted on the interest due date. This falls on the last day of the month.

The advantage of penalty-free repayments is that you are extremely flexible with your business. For example, are you having a good year and therefore money left over? Then you can make extra payments on your financing without penalty. Are you on the other hand financially? Then you won't pay extra, no problem. Extra repayment is nice because it reduces your monthly interest burden. For example, interest is only charged on the outstanding loan amount.

What are the requirements for a business mortgage?

Requirements may vary, but our team will guide you through the entire process and ensure that you meet all necessary conditions.

Also a business mortgage, without a bank?

Are you an entrepreneur looking for a mortgage for your business or investment property? Would you like to know more about the business financing options for your company with real estate as collateral?

Check your options

Personal contact with Kamsen?

Call +61 400 828 848 or

Click here to schedule a (video) meeting