About Us
Cash gets tight and the bank moves slow, which can put payroll, supplier bills, and custom-made deals at risk. We solve this with second mortgage business loans in Dunedin that enable short term funding against residential or commercial property equity for working capital, tax catch ups, inventory, or bridging between settlements.
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 workable loan sizes from twenty thousand dollars to five hundred thousand dollars tied to your trading history, short terms from three to twenty four months with six to twelve months common for a second, and repayment choices that include interest only or principal and interest with weekly, fortnightly, or monthly schedules and in some cases capitalised interest. Pricing is risk based and higher than bank lending because this is short term property secured money, this is transitional funding rather than long term finance, we accept residential or commercial security but not rural or lifestyle blocks, we look at real turnover and equity rather than just a credit score, and we expect at least twenty thousand dollars in monthly turnover with minimum trading history that starts at six months for smaller loans and reaches five years for the top amount.
Second mortgage business loans through us cover working capital, bridging to refinance or sale, stock buys, urgent repairs, and tax catch up when timing matters. We secure against residential or commercial property in Dunedin and not rural or lifestyle blocks, we can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, and we can give an indicative decision within 24 working hours when documents are complete and correct.
Talk to us today about second mortgage business loans in Dunedin and let us price a deal that fits your exit plan. Call or message to start or to get a quote from our team and we will confirm what security and documents are needed.
Fast Approvals - $20k to $500k
