About Us
Cash flow gaps hit fast when a supplier calls or a tax bill lands in Dunedin. We solve it with second mortgage business loans that unlock equity in a residential or commercial property for three to twenty four months, most often six to twelve, from twenty thousand to five hundred thousand based on your trading history.
Our team has deep skill in short-term, property-secured lending, with a strong track record structuring second ranking mortgages that settle on time, and our straight talk and local knowledge in Dunedin set us apart. Common mistakes are weak exit plans, missing documents, or optimistic valuations that push loan to value ratio too high, and those can cause delays, added costs, a decline, or default that puts your property at risk.
You get fast indicative decisions within twenty four working hours once we have complete and correct documents, loan sizes from twenty thousand dollars to five hundred thousand dollars, and terms from three to twenty four months with most seconds running six to twelve months and extension options when your plan is on track. We consider total lending up to about ninety percent loan to value ratio in strong cases, often higher than bank limits, we accept residential or commercial security but not rural or lifestyle property, we weigh monthly turnover and time in business from six months for smaller loans up to five years for the maximum, and we don’t rely on a credit score alone.
Loan sizes run from $20,000 to $500,000 for three to twenty four months, with most second mortgages running six to twelve months with extensions possible, and pricing is risk based and higher than bank lending. Total lending may reach about ninety percent loan to value ratio in strong cases, we accept residential or commercial security but not rural or lifestyle blocks, we expect at least six months trading history for smaller loans up to five years for the largest amounts, a minimum monthly turnover of $20,000, enough property equity, and we consider credit scores but never on their own, with fees such as application, valuation, and legal set out in the loan agreement and early repayment usually allowed under the contract.
Talk with our team about second mortgage business loans in Dunedin today. Call us or send your numbers to start a quote and get a straight answer from a real person.
Fast Approvals - $20k to $500k
