About Us
Cash is tight, the bank is slow, and the window to move is closing. We fund second mortgage business loans in Wellington with short terms, quick answers, and property backed options that bridge time and cash gaps, and the big mistakes we see are waiting too long, overestimating value, or skipping an exit plan which leads to delays, higher cost, or a forced sale.
Clients work with a local team that knows property secured lending and moves quickly without cutting corners, with indicative answers in about 24 working hours when documents are complete and right. We use real underwriting rather than a computer score, give clear terms up front, help you avoid missteps that slow approval or raise costs, and treat credit scores as one part of the picture.
You get fast answers when your file is complete, often an indicative decision within twenty four working hours, and we set out pricing and fees in the loan agreement including application, valuation, and legal costs, and early repayment is usually allowed under the contract terms. We look past just a credit score, accept both residential and commercial security, can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, may capitalise interest where it fits, and in strong cases total lending can reach about ninety percent combined loan to value ratio with risk based pricing that sits higher than bank lending because these loans are short term and higher risk.
Our core service is arranging second mortgage business loans for cash flow gaps, custom-made stock buys, tax arrears, marketing pushes, bridging while a refinance settles, or upgrades that drive revenue. Eligibility rises with loan size from about six months in business for smaller amounts up to about five years for the maximum amount, you need minimum monthly turnover of 20,000 dollars, credit scores are considered but don’t decide a deal on their own, we can set interest only or principal and interest, interest can be capitalised in some cases, and fees such as application and valuation and legal and other costs are set out in your loan agreement.
Talk to us about second mortgage business loans in Wellington and get moving while the window is open. Call or send a message to start your application and get a quote today.
Fast Approvals - $20k to $500k
