About Us
Cash flow gets tight right when you need stock, payroll, or a fast settlement, and waiting on a bank can cost you chances. At Dunedin Second Mortgage Business Loans in Dunedin, we arrange second mortgage business loans from 20,000 to 500,000 with short term funding for six to twelve months, extensions when needed, and clear paths for working capital, bridging, tax arrears, or growth.
Our team at Dunedin Second Mortgage Business Loans focuses on short term, property secured lending for trading businesses and we judge real cash flow and equity rather than a credit score alone, and we set all application, valuation, and legal costs out in the loan agreement so nothing surprises you. We work with businesses from six months in trade on smaller loans through to five years for the largest, we expect at least twenty thousand dollars in monthly turnover, and we only fund when there’s sufficient equity.
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.
Our second mortgage business loans range from 20,000 to 500,000 with larger amounts tied to longer trading history from six months for smaller loans up to five years for the largest loans, we accept residential or commercial security but not rural properties or lifestyle blocks, we consider credit but focus on turnover of at least 20,000 a month and enough equity, and we can look at total lending up to about 90 percent loan to value ratio in strong cases. We handle the steps end to end including document collection, valuation, title checks, consent where required, second charge registration, and settlement, and we help you avoid common mistakes like weak exit plans, missing the true cost of fees and legal work, using short term funds for long term needs, or overextending the loan to value ratio which can lead to declined deals, higher costs, or pressure at refinance, and all application, valuation, legal, and other costs are set out in your loan agreement.
Talk to us about second mortgage business loans in Dunedin and ask for a quick quote or a fast call back so you can move on your plan now. Send your basics today and we’ll reply within one business day.
Fast Approvals - $20k to $500k
