About Us
Cash flow can tighten fast in Dunedin and a slow bank answer can cost you a deal or a key payment. Dunedin Second Mortgage Business Loans helps you move fast with second mortgage business loans, bridge funding, and short term property secured lending so you can pay suppliers, clear tax arrears, consolidate debts, or buy stock when it matters.
Our team has deep experience structuring short term property secured funding that sits behind your first mortgage. We expect at least $20,000 in monthly turnover and a trading history that grows with the loan size, we know the Dunedin market, we look at your equity, trading strength, and exit plan not just a score, and we can give an indicative decision within 24 working hours when documents are complete.
You get speed and clarity with an initial decision in about twenty four working hours once we’ve full and correct documents, plus straight pricing up front that sets out application, valuation, and legal costs. We help you avoid common mistakes like overestimating property value, weak or unclear exit plans, missing statements, or trying to use rural or lifestyle property, because those cause delays, higher costs, declines, or a refinance under pressure, and we check title position and any caveats early to avoid late surprises.
We offer second mortgage business loans from 20,000 dollars to 500,000 dollars with terms from 3 to 24 months and typical second mortgage durations of 6 to 12 months, and we can move fast once we have full and correct documents. We take residential or commercial property in Dunedin as security, we don’t take rural or lifestyle blocks, we can consider total lending up to about a 90 percent loan to value ratio in strong cases, we set payments as interest only or principal and interest on a weekly, fortnightly, or monthly cycle, we can capitalise interest in some cases, we allow early repayment under the contract, and we look for minimum trading history that increases with loan size and a monthly turnover of at least 20,000 dollars while we consider credit scores but do not rely on them alone.
You can contact our local team in Dunedin about second mortgage business loans and get a quick quote and timeline that fits your plan. Reach out to Dunedin Second Mortgage Business Loans now and we’ll map the documents needed and move from application to settlement without delay.
Fast Approvals - $20k to $500k
