About Us
Cash flow can get tight in Wellington when a supplier wants payment now or an opportunity pops up and the bank moves slow. We fund second mortgage business loans in Wellington 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.
Our team has deep experience in property backed business lending in Wellington and we look at the whole picture rather than a score alone. You get clear terms, fast indicative decisions within 24 working hours when documents are complete, and a real plan for how the loan is repaid or refinanced without drama.
You get prompt answers, often an indicative decision within twenty four working hours once we have complete and correct documents, clear pricing that’s risk based and higher than bank lending, and repayment choices that fit cash flow with early repayment allowed under the contract, and we do not publish a rate range. The common mistakes are mismatching the loan term to the exit plan, overestimating property value, sending incomplete documents, or offering rural or lifestyle security, and those can lead to delays, added costs, default charges, or a pressured refinance.
Loan sizes run from $20,000 to $500,000 for three to twenty four months, with most second mortgages running six to twelve months with extensions possible, and pricing is risk based and higher than bank lending. Total lending may reach about ninety percent loan to value ratio in strong cases, we accept residential or commercial security but not rural or lifestyle blocks, we expect at least six months trading history for smaller loans up to five years for the largest amounts, a minimum monthly turnover of $20,000, enough property equity, and we consider credit scores but never on their own, with fees such as application, valuation, and legal set out in the loan agreement and early repayment usually allowed under the contract.
Talk with Wellington Second Mortgage Business Loans about second mortgage business loans Wellington and get a quick quote today. Send your recent bank statements, basic financials, and property details so we can give you a prompt view and move to settlement as soon as the legal work is complete.