Cashtech · private & short-term finance
When the banks say no or won't say it fast enough.
Caveat loans for property settlements, bridging for time-sensitive deals, private credit for non-conforming situations. Higher cost reflects higher risk and faster decision time. We're upfront when this isn't the right fit.
What this category does
When private credit fits.
Private and short-term finance fills gaps the banks won't or can't fund: time-critical settlements, non-conforming borrowers, complex deals, distressed situations.
Pricing is higher because risk and speed are both higher. We're explicit about total cost and exit strategy, and tell you directly when private lending is the wrong answer.
The products
5 structures across this category.
Phase 1 covers one canonical sub-product per pillar in detail. The others have summary cards now and dedicated pages in the next phase. Reach out and we'll send the lender shortlist for any of them.
Sub-product · live
Caveat loans
A short-term loan secured by a caveat over property. Faster to settle than mainstream lending, significantly more expensive; only sensible for genuinely time-critical situations.
Learn moreSub-product · live
Commercial bridging
Short-term lending bridging commercial property settlements, business acquisitions, or transitions between long-term financing.
Learn moreSub-product · live
Private credit
Capital from private investment funds rather than banks. Used where bank lending is unavailable or strategically preferred.
Learn moreSub-product · live
Mezzanine finance
Subordinated debt that ranks behind senior debt but ahead of equity. Common in property development and acquisitions.
Learn moreSub-product · live
Distressed & rescue
Specialist lending for businesses in distress, facing receivership, or refinancing out of non-performing positions.
Learn more
Lenders we work with
Across this category.
- Assetline Capital
- Stamford Capital
- Fortis Capital
- Wingate
- MaxCap
- Qualitas
- La Trobe Financial
- Liberty Commercial
Specific lender fit depends on your business profile. Lender accreditation varies; not every lender is available for every deal.
How we work
Four steps from brief to settlement.
- 01
Understand the situation
A 20-minute call to understand the use of funds, trading history, and timing. We pre-qualify against current lender appetite before anything goes to a lender.
- 02
Shortlist the lenders
Three to six lenders typically fit any given commercial scenario. We submit to the two with the strongest current rate and policy fit, not the entire panel.
- 03
Compare apples to apples
Approvals come back as term sheets with different fee structures. We translate them into effective annual cost so the comparison is honest.
- 04
Settle and review
Documentation signs electronically, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the rate is still right.
Industries that use private credit
Common industry fits.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
How introductions work. In Phase 1, Cashtech makes introductions between qualified business situations and the lenders best suited to fund them. We are a service offered by Trimorph Pty Ltd ABN 87 604 290 931. Information on this site is general in nature and does not take into account your objectives, financial situation, or needs.
Not sure which fits?
A 20-minute brief on the private credit situation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.