About Us
Cash flow gaps and bank delays can put growth, payroll, or a custom-made settlement at risk. We fund second mortgage business loans in Dunedin secured behind your first mortgage on residential or commercial property so you can access short term working capital fast.
Our team at Dunedin Second Mortgage Business Loans lives and works in Dunedin and understands local values, timelines, and the way deals get done. We have long experience with property equity lending for small businesses and can give an indicative approval within twenty four working hours once you send clear bank statements, recent financials, a rates notice, and basic property details.
You get clear answers within 24 working hours once we’ve complete and correct documents, flexible repayment choices including interest only or principal and interest, the option to capitalise interest when that fits cash flow, and early repayment allowed subject to your contract. We accept residential or commercial security in Dunedin but not rural or lifestyle blocks, we can consider total lending up to about 90 percent loan to value ratio in strong cases, and we set out all costs in the loan agreement so you know the full picture.
We fund bridging to refinance or sale, stock and payroll, tax arrears, deposits for new sites, and project gaps, and we handle valuations, legal work, and first mortgagee consent, and pricing is risk based and higher than bank lending with fees for application, valuation, legal, and other costs detailed in the loan agreement and early repayment usually allowed under the contract. The common mistakes are weak exit plans, incomplete documents, over optimistic time frames, or offering rural or lifestyle property which we do not accept, and getting these wrong can cause delays, added costs, default risk, or pressure from your first mortgagee.
Talk with Dunedin Second Mortgage Business Loans about second mortgage business loans Dunedin and get a quick quote today. Send your recent bank statements, basic financials, and property details so we can give you a prompt view and move to settlement as soon as the legal work is complete.
Fast Approvals - $20k to $500k
