About Us
Cash is tight but your equity is strong and the window to move is small. We arrange second mortgage business loans in Dunedin that unlocks working capital, clear tax pressure, fund stock or equipment, bridge a refinance, or tidy up urgent payables so you can keep trading.
Our team has strong local deal experience and we look at real trading and property equity, not just a credit score. We plan your exit at the start and we warn against common mistakes like using a short term loan as long term finance, counting on a sale that is not signed, or sending partial paperwork, because that can lead to extra costs, default interest, and rushed outcomes you don’t want.
You get straight talk, quick indicative decisions within 24 working hours when documents are complete, and pricing that fits the short term and higher risk nature of second mortgages. We stay close from first call through settlement and any needed extensions.
We fund from 20,000 to 500,000 with terms from three to twenty four months, with most second mortgages running six to twelve months and extensions possible. Pricing is risk based and higher than bank lending, all loans are secured against property equity, rural properties and lifestyle blocks aren’t accepted, trading history starts at six months for smaller loans and can be up to five years for the largest loans, monthly turnover must be at least 20,000, interest can be capitalised or paid as principal and interest, and repayments can match your cash flow. You send recent bank statements, trading figures, rates notices, and mortgage details, we order valuation and confirm first mortgage consent, then we issue terms, instruct lawyers, and aim to give an indicative decision within twenty four working hours once the file is complete and correct.
Talk to us about second mortgage business loans in Dunedin and get a quick quote or a call to map the numbers and timing. Call or send your details and we will get you moving.
Fast Approvals - $20k to $500k
