About Us
Cash flow stalls when a bank moves slow or says no, and your project cannot wait. We offer second mortgage business loans in Dunedin that use your property equity to fund working capital, bridging, stock and supplier payments, or a custom made opportunity.
Our team knows property backed business lending and we work with real trading numbers, real equity, and a clear exit plan. You get a quick read within 24 working hours when documents are complete, plus a local lender who will talk through risks and structure instead of hiding behind a scorecard, and we look past a credit score to the whole story.
Loans range from 20,000 dollars to 500,000 dollars with the largest amounts linked to longer trading history, and typical terms run 6 to 12 months with options from 3 to 24 months if the deal needs it. Pricing is risk based and higher than bank lending, total lending can reach about 90 percent loan to value ratio in strong cases, repayments can be weekly, fortnightly, or monthly, interest may be interest only or principal and interest with the option to capitalise, early repayment is usually allowed under the contract, and fees are set out in the loan agreement.
Second mortgage business loans from us cover working capital gaps, urgent supplier or tax payments, stock buys, fit outs, equipment and vehicle purchases, and settlement or refinance bridges, and we accept both residential and commercial property as security while we don’t accept rural or lifestyle blocks. We look for minimum monthly turnover of 20,000 dollars, a trading history that matches the loan size from about six months up to five years, enough equity behind the first mortgage, and a clean exit plan because common mistakes like missing documents, weak equity, no repayment path, or expecting bank rates can lead to delays, added costs, pressure from your first mortgage lender, or a decline.
Talk to our team about second mortgage business loans in Dunedin today. Call or message Dunedin Second Mortgage Business Loans to get a quick read on eligibility and a clear quote.
Fast Approvals - $20k to $500k
