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.
Our team has deep experience structuring short term property secured funding that sits behind your first mortgage. We expect at least $20,000 in monthly turnover and a trading history that grows with the loan size, we know the Wellington market, we look at your equity, trading strength, and exit plan not just a score, and we can give an indicative decision within 24 working hours when documents are complete.
You get access to residential or commercial property security with combined loan to value ratios that may reach about ninety percent in strong cases, interest only or principal and interest options, the ability to capitalise interest to smooth cash flow, and repayment timing set weekly, fortnightly, or monthly. We are steady on communication, we lay out pricing up front because it is risk based and higher than bank lending with no published rate range, fees for application, valuation, legal, and other costs are set out in the loan agreement, and early repayment is usually allowed under the contract.
We offer second mortgage business loans from 20,000 dollars to 500,000 dollars with terms from 3 to 24 months and typical second mortgage durations of 6 to 12 months, and we can move fast once we’ve full and correct documents. We take residential or commercial property in Wellington as security, we do not take rural or lifestyle blocks, we can consider total lending up to about a 90 percent loan to value ratio in strong cases, we set payments as interest only or principal and interest on a weekly, fortnightly, or monthly cycle, we can capitalise interest in some cases, we allow early repayment under the contract, and we look for minimum trading history that increases with loan size and a monthly turnover of at least 20,000 dollars while we consider credit scores but do not rely on them alone.
Talk with Wellington Second Mortgage Business Loans about second mortgage business loans in Wellington today. Call or send a message for a quick quote and an indicative decision within twenty four working hours.
Fast Approvals - $20k to $500k
