About Us
Cash gets tight and the bank moves slow, which can put payroll, supplier bills, and custom made deals at risk. We solve this with second mortgage business loans in Dunedin that enable short term funding against residential or commercial property equity for working capital, tax catch ups, inventory, or bridging between settlements.
Our team has strong local deal experience and we look at real trading and property equity, not just a credit score. We plan your exit at the start and we warn against common mistakes like using a short term loan as long term finance, counting on a sale that is not signed, or sending partial paperwork, because that can lead to extra costs, default interest, and rushed outcomes you do not want.
You get straight terms, a clear exit plan, interest only or principal and interest options, and the choice to capitalise interest in some cases so repayments match your cashflow. The biggest mistakes are using short term funding as long term finance, overestimating property value, skipping a realistic exit, or missing consents, which leads to delays, higher cost, and in worst cases default and forced asset sales.
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 don’t 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 our Dunedin team about second mortgage business loans and get a quick quote on terms that fit your timeline. Contact Dunedin Second Mortgage Business Loans now and send your basic documents so we can give an indicative decision within 24 working hours.
Fast Approvals - $20k to $500k
