About Us
Banks move slow when your cash needs are right now. We arrange second mortgage business loans in Dunedin that use your property equity to cover tax, payroll, stock buys, supplier pressure, or a tight settlement, and we handle the valuation, legal work, and settlement end to end.
Our team knows property backed business lending and we work with real trading numbers, real equity, and a clear exit plan. You get a quick read within 24 working hours when documents are complete, plus a local lender who will talk through risks and structure instead of hiding behind a scorecard, and we look past a credit score to the whole story.
You get fast answers when your file is complete, often an indicative decision within twenty four working hours, and we set out pricing and fees in the loan agreement including application, valuation, and legal costs, and early repayment is usually allowed under the contract terms. We look past just a credit score, accept both residential and commercial security, can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, may capitalise interest where it fits, and in strong cases total lending can reach about ninety percent combined loan to value ratio with risk based pricing that sits higher than bank lending because these loans are short term and higher risk.
Our core service is short term property secured funding for working capital, bridging to a refinance or sale, or project and growth needs, which helps you keep momentum and buy time to reach cheaper bank finance or a sale. We confirm equity and loan to value ratio, check trading history and a minimum monthly turnover of $20,000, order valuation, obtain any needed first mortgage consent, and settle fast, and the common mistakes are overstating value, skipping a real exit plan, thin or incorrect paperwork, or forgetting fees and consent timing which can cause approval delays, settlement shortfalls, default interest, or forced extensions, so we help you avoid those traps.
Speak with our Dunedin team about second mortgage business loans today. Call or message Dunedin Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
