About Us
Bank delays can choke cashflow and kill a deal you should win. We fund second mortgage business loans in Auckland backed by property equity, from 20,000 dollars to 500,000 dollars, with fast decisions and short term structures for bridging, working capital, and project needs.
We are a local team that understands how Auckland 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 practical structures such as loan sizes from twenty thousand to five hundred thousand, terms from three to twenty four months with most second mortgages running six to twelve months, and repayment choices that can be interest only or principal and interest with weekly, fortnightly, or monthly schedules, with interest capitalised in some cases. We look at real turnover of at least twenty thousand per month, your trading history which ranges from about six months for small loans up to five years for the largest amounts, and your equity position rather than leaning on credit score alone, and in strong cases total lending can reach about ninety percent loan to value ratio.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Speak with our Auckland team about second mortgage business loans today. Call or message Auckland Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
