About Us
Cash flow stalls or a time limited opportunity can hit when your bank is slow or at its limit in Dunedin. We use second mortgage business loans to access equity in your residential or commercial property with short term funding, fast decisions, and a simple path handled by Dunedin Second Mortgage Business Loans.
Our team at Dunedin Second Mortgage Business Loans knows the local market and has real experience getting property secured business lending done in Dunedin, and we move fast with indicative decisions in twenty four working hours when your documents are complete and correct. We look at the whole picture including equity, trading history, and cash flow rather than a credit score alone, we guide you through valuation and legal steps, and we are upfront about risk based pricing, with application, valuation, and legal costs set out in your loan agreement, and we do not publish a rate range because pricing is higher than bank lending and tailored to the risk and term.
You get speed, straight talk, and a structure that fits your cash cycle. We are consistent on timelines, we work with tough files when the equity and turnover stack up, and we stay with you until the exit is done.
Our second mortgage business loans range from 20,000 to 500,000 with larger amounts tied to longer trading history from six months for smaller loans up to five years for the largest loans, we accept residential or commercial security but not rural properties or lifestyle blocks, we consider credit but focus on turnover of at least 20,000 a month and enough equity, and we can look at total lending up to about 90 percent loan to value ratio in strong cases. We handle the steps end to end including document collection, valuation, title checks, consent where required, second charge registration, and settlement, and we help you avoid common mistakes like weak exit plans, missing the true cost of fees and legal work, using short term funds for long term needs, or overextending the loan to value ratio which can lead to declined deals, higher costs, or pressure at refinance, and all application, valuation, legal, and other costs are set out in your loan agreement.
Speak with our Dunedin team about second mortgage business loans today. Call or message Dunedin Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
