Knote Equity (second mortgages)
$100K to $5M behind your existing lender, up to 12 months, approval in 24 to 48 hours.
More on second mortgage business loans →Private LenderMelbourne, VIC, AustraliaLast reviewed 27 Oct 2026
Knote
Business loans, eligibility and contact details
In a nutshell
Knote is a Melbourne-based private lender specialising in second mortgages, gap funding and caveat loans for business owners and investors. It lends $100,000 to $5 million on second mortgages and gap funding, and $50,000 to $150,000 on caveat loans, against residential, commercial, industrial or land security, with approvals from same day to 48 hours and impaired credit considered.
About Knote
Knote specialises in second mortgages and gap funding for business owners, entrepreneurs and investors who need capital quickly, including when the banks say no. It lends Australia-wide for commercial, business or investment purposes only (no consumer lending), to individuals, companies and trusts, and considers impaired credit.
It has three products. Knote Bridge (gap funding) lends $100,000 to $5 million against a first or second mortgage, at up to 75% to 80% combined LVR, for up to 24 months, to cover settlement shortfalls, purchases before a sale, bridging and development timing gaps. Knote Equity (second mortgage) lends $100,000 to $5 million behind your existing lender for up to 12 months, at up to 90% SLVR on residential and 80% on commercial security, with approval in 24 to 48 hours. Knote Express (caveat) lends $50,000 to $150,000 for up to 6 months, with same-day or 24-hour approval and minimal documents, for urgent settlements, deposits or cash flow. SLVR is Knote's own measure, which adds a 10% to 25% buffer to the outstanding first mortgage.
Finance offered by Knote
Knote Bridge (gap funding)
$100K to $5M on a first or second mortgage, up to 24 months, up to 80% combined LVR.
More on property-secured business loans →Knote Express (caveat loans)
$50K to $150K for up to 6 months, approved the same day or within 24 hours.
More on caveat loans →Eligibility and documents
Who Knote lends to
- Commercial, business or investment purposes only (no consumer lending)
- Individuals, companies or trusts
- Residential, commercial, industrial, land or development security
- A clear exit strategy (sale, refinance or incoming funds)
- Impaired credit considered
What you'll typically need
- Minimal documents, especially for caveat loans
- Desktop or full valuation, depending on the loan
All lending is subject to the lender's credit criteria and assessment.
For brokers
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Is Knote the right fit for your business?
Knote usually suits business owners with property equity who need short-term funds quickly, for example to settle, buy a business or cover a cash flow gap, without refinancing their first mortgage.
Every business is different. Rather than applying to one lender, talk to us. Your broker, backed by our proprietary AI lender matching, looks at the lenders on our panel that offer the finance you need and seeks multiple options for you.
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- Business finance from $30,000
Prefer to talk now? Call 0468 060 969, Mon–Fri, 9am–6pm AEST/AEDT.
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Mon–Fri, 9am–6pm AEST/AEDT
Knote FAQs
How much can I borrow from Knote?
$100,000 to $5 million for second mortgages and gap funding, and $50,000 to $150,000 for Knote Express caveat loans.
Do I need to refinance my first mortgage with Knote?
No. Knote Equity is a second mortgage behind your existing lender.
How fast is Knote?
Caveat loans can be approved the same day or within 24 hours, and second mortgages within 24 to 48 hours.
What is SLVR?
Knote's Structured Loan to Value Ratio, which adds a buffer of 10% to 25% to your outstanding first mortgage when working out how much it can lend.
What fees does Knote charge?
Indicative establishment fees are from 0.55% for gap funding and about 1.5% for second mortgages and caveat loans, plus legal and valuation fees and a monthly account fee ($150 a month on caveat loans).
Can I get a Knote loan with bad credit?
Knote says impaired credit is considered, but you need enough equity and a clear exit strategy.
How do I contact Knote?
You can call Knote on 1300 056 683 or email info@knote.com.au. Its office is at Suite 155, Level 1, 55 Collins Street, Melbourne.
Can Splendid help me with a Knote loan?
Yes, we work with Knote, but we recommend speaking to us to see if Knote is the right fit for your specific needs. We work with over 100 lenders, so there might be other options that suit your situation better.
Knote contact details
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See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with Knote. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on Knote's published information, checked 27 Oct 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.