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.
Clients work with a local team that knows property secured lending and moves quickly without cutting corners, with indicative answers in about 24 working hours when documents are complete and right. We use real underwriting rather than a computer score, give clear terms up front, help you avoid missteps that slow approval or raise costs, and treat credit scores as one part of the picture.
You get fast decisions from people who live and work in Dunedin, with indicative answers within twenty four working hours when the documents are complete, and we answer the phone when you need clarity. We fund risk based and higher than bank pricing for three to twenty four months, usually six to twelve months, with early repayment allowed as set out in the loan agreement, and in strong cases total lending can reach about ninety percent loan to value with interest only or principal and interest choices and the option to capitalise interest.
We offer second mortgage business loans from twenty thousand dollars to five hundred thousand dollars for three to twenty four months, with most terms landing between six and twelve months, interest only or principal and interest, with weekly, fortnightly, or monthly payments and the option to capitalise interest in some cases. Eligibility ties to trade history and scale with a minimum of six months for smaller loans up to five years for the largest, a minimum monthly turnover of twenty thousand dollars, credit scores considered but never the only factor, sufficient equity, both residential and commercial property accepted, and no rural or lifestyle blocks, and the common mistakes are weak exit plans, incomplete documents, overestimating property value, trying to use ineligible property, or not telling the first mortgage holder which can cause delays, higher costs, covenant breaches, or failed settlements.
Talk with our Dunedin team about second mortgage business loans Dunedin and get a clear quote and timeline today. Call or send us your numbers to start, and we’ll tell you exactly what’s workable and what is not.
