About Us
Cash flow gets tight when a tax bill lands, a supplier discount window opens, or a project runs long and banks move slowly or say no. We arrange second mortgage business loans in Auckland using your property equity to access short term funding for working capital, bridging a purchase, clearing arrears, or finishing a build.
Clients work with a local team that knows property secured lending and moves quickly without cutting corners, with indicative answers in about 24 working hours when documents are complete and right. We use real underwriting rather than a computer score, give clear terms up front, help you avoid missteps that slow approval or raise costs, and treat credit scores as one part of the picture.
You get workable loan sizes from twenty thousand dollars to five hundred thousand dollars tied to your trading history, short terms from three to twenty four months with six to twelve months common for a second, and repayment choices that include interest only or principal and interest with weekly, fortnightly, or monthly schedules and in some cases capitalised interest. Pricing is risk based and higher than bank lending because this is short term property secured money, this is transitional funding rather than long term finance, we accept residential or commercial security but not rural or lifestyle blocks, we look at real turnover and equity rather than just a credit score, and we expect at least twenty thousand dollars in monthly turnover with minimum trading history that starts at six months for smaller loans and reaches five years for the top amount.
Second mortgage business loans from Auckland Second Mortgage Business Loans cover working capital, bridging to a refinance, clearing payables, buying stock, funding marketing or gear, and smoothing seasonal swings, with terms from three to twenty four months and most second mortgages running six to twelve months with a possible extension, plus interest only or principal and interest options, weekly, fortnightly, or monthly repayments, and in some cases capitalised interest to ease cash flow. Common mistakes are borrowing without a clear exit, ignoring total costs and fees that are set out in the loan agreement and may add to the balance when interest is capitalised, offering rural or lifestyle property that we cannot take, or sending incomplete documents, and if you get it wrong you can face default costs, pressure to sell, or loss of security, so we help you plan the exit and the right repayment fit from the start.
Talk to our Auckland team about second mortgage business loans Auckland today so you can solve the cash gap and keep work moving. Call or message Auckland Second Mortgage Business Loans to get a quick quote or set up a time to run your numbers.
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