About Us
Bank delays can choke cashflow and kill a deal you should win. We fund second mortgage business loans in Dunedin backed by property equity, from 20,000 dollars to 500,000 dollars, with fast decisions and short term structures for bridging, working capital, and project needs.
We are a local team that understands how Dunedin businesses trade through seasons and spikes. You deal with decision makers who read your numbers, weigh your equity, and price the loan for risk and speed, with rates that sit above bank lending because these are short term and higher risk.
You get loan sizes from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty four months and most second mortgage loans sitting around six to twelve months, and we can allow interest only or principal and interest with interest capitalised when that helps cash flow, and repayments can be weekly, fortnightly, or monthly. Pricing is risk based and higher than bank lending for this short term funding, indicative decisions often come within twenty four working hours when documents are complete, total lending can reach about a ninety percent loan to value ratio in strong cases, early repayment is usually fine under the contract, and we accept both residential and commercial property while rural and lifestyle blocks are out.
We arrange second mortgage business loans for working capital, bridging between a purchase and a sale, clearing arrears or tax pressure, or custom-made stock and equipment buys so your plans do not stall. We accept residential and commercial security only, look for at least six months of trading for smaller loans and up to five years for the largest amounts, expect monthly turnover of about twenty thousand dollars, offer interest-only or principal-and-interest with weekly, fortnightly, or monthly payments, can capitalise interest in some cases, and early repayment is generally allowed under the contract.
Talk to us about second mortgage business loans in Dunedin and ask for a quick quote or a fast call back so you can move on your plan now. Send your basics today and we will reply within one business day.
Fast Approvals - $20k to $500k
