If you have an element with a background image, like this
<div id="test" style="background-image: url(link/to/image.png)"><div>
You can wait for the background to load by getting the image URL and using it for an image object in javascript with an onload handler
var src = $('#test').css('background-image');
var url = src.match(/\((.*?)\)/)[1].replace(/('|")/g,'');
var img = new Image();
img.onload = function() {
alert('image loaded');
}
img.src = url;
if (img.complete) img.onload();