About Us
Cash gaps hit hard when banks move slow or a project cannot wait. We set up second mortgage business loans in Auckland that tap your available property equity for short term working capital, bridging, or debt consolidation so you can keep moving.
Property secured business lending is our lane and we have closed many second charges across residential and commercial property in Auckland. We move fast with clear terms, handle valuations and title work, and underwrite based on trading history and a real exit plan rather than a single score.
You get fast funding sized to your business and equity, with pricing that is risk based and higher than bank lending because these are short term and higher risk, property secured loans. We look beyond a credit score, we expect at least 20,000 in monthly turnover and a minimum trading history that rises with loan size from about six months for smaller loans up to about five years at the top end, total lending can reach about 90 percent loan to value ratio in strong cases, terms run three to twenty four months with most second mortgages at six to twelve months, interest can be capitalised, early repayment is allowed under the contract, and all fees are set out in the loan agreement.
We take residential or commercial property as security, not rural land or lifestyle blocks, and we lend from twenty thousand dollars to five hundred thousand dollars with loan size linked to business trading history from six months for smaller loans up to five years for the maximum amount, and we expect at least twenty thousand dollars in monthly turnover with credit scores reviewed in context and equity required. We outline application, valuation, legal and other costs in the loan agreement, we can set repayments weekly or fortnightly or monthly, and we settle once valuation and legal work are complete.
Talk to us about second mortgage business loans in Auckland and get a quick quote or a call to map the numbers and timing. Call or send your details and we’ll get you moving.
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