About Us
Cash flow gets tight while the bank takes too long or says no, and payroll or a tax bill or a custom-made stock buy will not wait. We arrange second mortgage business loans in Dunedin with short term property secured funding and a clear plan to get you funded fast and out on time.
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 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 secure against residential or commercial property, not rural or lifestyle, and we can consider total lending near about ninety percent loan to value ratio in strong cases, with minimum monthly turnover of 20,000 dollars, trading history from six months for smaller loans up to five years for the largest, and credit scores reviewed in context. You can speed an indicative approval to within 24 working hours with correct documents such as bank statements, recent rates notices, mortgage statements, financials, and a clear exit plan, and you avoid common mistakes like overestimating property value, ignoring application, valuation, legal and other costs shown in the agreement, skipping taxes or payroll in the budget, or borrowing without a workable refinance or sale plan that can lead to delays, smaller limits, higher pricing, or even a decline.
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
