About Us
Cash is tight but your equity is strong and the window to move is small. We arrange second mortgage business loans in Wellington that unlocks working capital, clear tax pressure, fund stock or equipment, bridge a refinance, or tidy up urgent payables so you can keep trading.
We are local and we have funded many small firms, so we speak plain language and we move fast while keeping the paperwork right. At Wellington Second Mortgage Business Loans we look at trading history, monthly turnover of at least twenty thousand dollars, and equity, not only a credit score, and we match loan size to time in business from about six months for smaller loans up to five years for the largest, so the structure fits and you aren’t stuck.
You speak with decision makers who look beyond a credit score and consider the whole story. Common mistakes are weak exit plans, missing first mortgagee consent, underestimating fees and legal costs, and sending half complete files, which can cause delays, higher charges, default interest, or a forced refinance or sale.
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 to our Wellington team about second mortgage business loans Wellington today so you can solve the cash gap and keep work moving. Call or message Wellington Second Mortgage Business Loans to get a quick quote or set up a time to run your numbers.
Fast Approvals - $20k to $500k
