About Us
Cash gets tight when tax, stock, payroll, or a fit out all pile up and the bank moves slow. We move fast with property secured second mortgage business loans in Auckland from twenty thousand dollars to five hundred thousand dollars on three to twenty four month terms, usually six to twelve, with risk based pricing that is higher than bank lending given the short term and higher risk, interest only or principal and interest options, and quick decisions when your documents are complete.
We work in Auckland every day and we know how to read your trading story and the value in your real estate. We look beyond a credit score and can accept residential or commercial security with realistic loan to value ratio settings, and in strong cases we can consider total lending up to about ninety percent when your documents are complete and correct.
You get practical options from 20,000 dollars to 500,000 dollars linked to your trading history and time in business, with most second mortgage terms from six to twelve months and extensions when the plan makes sense. You can repay weekly, fortnightly, or monthly on interest only or principal and interest, with interest capitalised when needed and early payout allowed under the contract.
Our core work is second mortgage lending, short term bridging, and top up working capital against property equity, which can help you cover a gap, win a deal, or steady cash flow while you move to bank funding, and we set everything out in a clear loan agreement with application, valuation, legal, and other costs listed. We don’t publish a rate range because pricing is risk based and higher than bank lending, eligibility starts from six months trading for smaller loans and up to five years for the maximum amount with a minimum monthly turnover of twenty thousand and enough equity to support the lend, and credit scores are considered but not used on their own.
Talk to us today about second mortgage business loans in Auckland and let us price a deal that fits your exit plan. Call or message to start or to get a quote from our team and we’ll confirm what security and documents are needed.
Fast Approvals - $20k to $500k
