Cash flow gaps hit fast when a supplier calls or a tax bill lands in Dunedin. We solve it with second mortgage business loans that unlock equity in a residential or commercial property for three to twenty four months, most often six to twelve, from twenty thousand to five hundred thousand based on your trading history.
We are a local team at Dunedin Second Mortgage Business Loans and we look at the whole picture, not just a score, with indicative decisions inside 24 working hours when your documents are complete and correct. Common snags are missing bank statements, overstated property value, or a thin exit strategy, and those can slow settlement, raise costs, or stop a deal.
You get risk-based pricing that reflects short-term, higher risk, property-secured lending plus flexible repayments that can match your cash cycle. Set it up right and it works as short-term funding, set it up wrong and you risk delays, extra costs, or pressure on repayments that can put you in default under the loan agreement.
Our core work is second mortgage lending, short term bridging, and top up working capital against property equity, which can help you cover a gap, win a deal, or steady cash flow while you move to bank funding, and we set everything out in a clear loan agreement with application, valuation, legal, and other costs listed. We do not publish a rate range because pricing is risk based and higher than bank lending, eligibility starts from six months trading for smaller loans and up to five years for the maximum amount with a minimum monthly turnover of twenty thousand and enough equity to support the lend, and credit scores are considered but not used on their own.
Talk with us about second mortgage business loans in Dunedin and let us map a workable timeline and exit that fits your cashflow. Call or send a message to Dunedin Second Mortgage Business Loans to get a quick quote or to start the process today.
Fast Approvals - $20k to $500k
Loans From $20k to $500k
3-24 Month Loan Terms
Risk-Based Pricing
Approvals often within 24hrs