About Us
Bank timelines can blow up your plans and your cash flow takes the hit. We fund second mortgage business loans in Wellington for working capital, bridging a refinance, stock buys, payroll, or finishing jobs, and we do it fast.
Our local team has funded many short term, property secured deals across Wellington and we know how to read both equity and trading strength. We look at the whole story, not just a score, and we can give an indicative decision within 24 working hours with clear terms and realistic timelines.
You get straight answers, quick timeframes, and a loan shaped to how your business earns and pays. We give indicative decisions in about twenty four working hours when your documents are complete, accept both residential and commercial security, may reach a total loan to value ratio near ninety percent in strong cases, and we are open about pricing and fees before you sign so you avoid surprises.
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 to Wellington Second Mortgage Business Loans in Wellington about second mortgage business loans today. Call or send your details for a quick review and a clear written quote.
Fast Approvals - $20k to $500k
