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 frees up 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 local team has funded many short term, property secured deals across Dunedin and we know how to read both equity and trading strength. We look at the whole story, not just a score, and we can give an indicative decision within 24 working hours with clear terms and realistic timelines.
You get workable terms between 3 and 24 months, with most second mortgages running 6 to 12 with possible extensions, pricing is risk based and higher than bank lending, and all costs such as application, valuation, and legal are set out in the agreement with early repayment allowed under contract. Common mistakes are asking for more than the equity supports, skipping a clear exit, or underestimating total cost, and those choices can slow approval, add fees, or cause decline.
Second mortgage business loans from us cover working capital gaps, urgent supplier or tax payments, stock buys, fit outs, equipment and vehicle purchases, and settlement or refinance bridges, and we accept both residential and commercial property as security while we do not accept rural or lifestyle blocks. We look for minimum monthly turnover of 20,000 dollars, a trading history that matches the loan size from about six months up to five years, enough equity behind the first mortgage, and a clean exit plan because common mistakes like missing documents, weak equity, no repayment path, or expecting bank rates can lead to delays, added costs, pressure from your first mortgage lender, or a decline.
Talk with us about second mortgage business loans in Dunedin and get a clear, prompt quote and timeline. Call or send your deal details to Dunedin Second Mortgage Business Loans and we will move fast to get you a workable offer.
Fast Approvals - $20k to $500k