About Us
Cash gets tight when tax, stock, payroll, or a fit out all pile up and the bank moves slow. We move fast with property secured second mortgage business loans in Wellington from twenty thousand dollars to five hundred thousand dollars on three to twenty four month terms, usually six to twelve, with risk based pricing that’s higher than bank lending given the short term and higher risk, interest only or principal and interest options, and quick decisions when your documents are complete.
Second mortgages are what we do every day in Wellington, so we move fast and get the structure right. We check your equity, trading strength, and exit plan up front, and we flag common trip-ups like overestimating value, thin turnover, missing documents, or no clear way to repay which can cause delays, higher costs, or a decline.
You get clear answers within 24 working hours once we’ve complete and correct documents, flexible repayment choices including interest only or principal and interest, the option to capitalise interest when that fits cash flow, and early repayment allowed subject to your contract. We accept residential or commercial security in Wellington but not rural or lifestyle blocks, we can consider total lending up to about 90 percent loan to value ratio in strong cases, and we set out all costs in the loan agreement so you know the full picture.
We arrange second mortgage business loans for working capital, bridging between a purchase and a sale, clearing arrears or tax pressure, or custom-made stock and equipment buys so your plans do not stall. We accept residential and commercial security only, look for at least six months of trading for smaller loans and up to five years for the largest amounts, expect monthly turnover of about twenty thousand dollars, offer interest-only or principal-and-interest with weekly, fortnightly, or monthly payments, can capitalise interest in some cases, and early repayment is generally allowed under the contract.
Talk to our local team about second mortgage business loans Wellington. Call or send a message to start your application or get a quick quote on funding terms today.
Fast Approvals - $20k to $500k
