About Us
Cash flow gaps, supplier pressure, or a custom-made purchase can stall growth. We arrange second mortgage business loans in Wellington with short term, property secured funding for working capital, stock buys, project bridging, and debt tidy ups.
We are a local team at Wellington Second Mortgage Business Loans and we look at the whole picture, not just a score, with indicative decisions inside 24 working hours when your documents are complete and correct. Common snags are missing bank statements, overstated property value, or a thin exit strategy, and those can slow settlement, raise costs, or stop a deal.
Indicative decisions often land within twenty four working hours when your documents are complete, and in stronger cases we can look at total lending around ninety percent loan to value ratio with residential or commercial security. We price on risk which is higher than bank lending for short term needs, we allow early repayment under contract, and we look for a trading history that grows with loan size from six months on small amounts up to five years on the maximum, at least twenty thousand dollars in monthly turnover, and enough property equity, with credit scores noted but never the only factor.
We fund $20,000 to $500,000 for 3 to 24 months, with most second mortgage loans running 6 to 12 months as short-term or transitional funding with risk based pricing that is higher than bank lending. We assess real trading history and equity with a minimum monthly turnover of $20,000 and time in business that grows with the loan size from six months at the low end to five years at the top, and we support weekly, fortnightly, or monthly repayments.
Talk with us about second mortgage business loans in Wellington and let’s map a workable timeline and exit that fits your cashflow. Call or send a message to Wellington Second Mortgage Business Loans to get a quick quote or to start the process today.