About Us
Cash flow can get tight in Auckland when a supplier wants payment now or an opportunity pops up and the bank moves slow. We fund second mortgage business loans in Auckland secured against your property to cover working capital, bridging to a sale or refinance, stock buys, renovations, or tax payments, with fast decisions and clear terms.
At Auckland Second Mortgage Business Loans, we are a local team in Auckland with deep experience in property secured business lending, and we build clean, short term structures that match your exit. We explain pricing up front, which is risk based and higher than bank lending, we set clear loan to value ratio limits for your case, and we stay on the file until settlement with straight answers.
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.
We fund from twenty thousand dollars to five hundred thousand dollars on terms from three to twenty four months with most second mortgage business loans running six to twelve months and we can set interest only or principal and interest with weekly, fortnightly, or monthly repayments and capitalised interest when that suits the plan. To qualify you need a trading history that grows with loan size from six months on smaller amounts to five years on the maximum, minimum monthly turnover of twenty thousand dollars, strong equity in acceptable property since rural or lifestyle blocks aren’t taken, and clean, correct documentation for quick indicative approval while credit scores are considered but not the deciding factor on their own, and the big mistakes to avoid are asking for the maximum with thin history, submitting incomplete paperwork, or skipping a clear exit which can lead to delays, higher costs, extensions, or even forced sales.
Talk with our Auckland team about second mortgage business loans today and get a straight answer within one business day when your documents are complete and right. Call or message Auckland Second Mortgage Business Loans to get a quote and a clear path to funding.
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