About Us
Bank timelines can blow up your plans and your cash flow takes the hit. We fund second mortgage business loans in Dunedin for working capital, bridging a refinance, stock buys, payroll, or finishing jobs, and we do it fast.
Our team has deep local experience with short term, property secured lending and we keep the process tight from first call to settlement with risk based pricing that’s higher than bank lending but explained in plain words. We look beyond a single credit score, can consider total lending up to about ninety percent loan to value in strong cases, and focus on structures that actually settle on time.
You get workable loan sizes from twenty thousand dollars to five hundred thousand dollars tied to your trading history, short terms from three to twenty four months with six to twelve months common for a second, and repayment choices that include interest only or principal and interest with weekly, fortnightly, or monthly schedules and in some cases capitalised interest. Pricing is risk based and higher than bank lending because this is short term property secured money, this is transitional funding rather than long term finance, we accept residential or commercial security but not rural or lifestyle blocks, we look at real turnover and equity rather than just a credit score, and we expect at least twenty thousand dollars in monthly turnover with minimum trading history that starts at six months for smaller loans and reaches five years for the top amount.
Our core work covers second mortgages behind a bank loan, cash flow bridge for growth or urgent bills, refinance of shortfalls, consolidation of business debts, equity release for stock or marketing pushes, and clear exit planning so the loan ends on time, and we do not publish fee amounts but we give a clear cost schedule in the loan agreement. The common mistakes are weak or missing documents, overestimating property value, no exit plan, or trying to use rural security, and those cause delays, lower approval amounts, added costs, forced rollovers, or in the worst case a default that can lead to legal recovery against the secured property.
Talk with us about second mortgage business loans Dunedin today. Call or send your figures for a quick quote and we will confirm what you can borrow and the steps to settle.
Fast Approvals - $20k to $500k
