About Us
Cash flow gets tight when a tax bill lands, a supplier discount window opens, or a project runs long and banks move slowly or say no. We arrange second mortgage business loans in Wellington using your property equity to unlock short term funding for working capital, bridging a purchase, clearing arrears, or finishing a build.
Our team at Wellington Second Mortgage Business Loans knows the local market and has real experience getting property secured business lending done in Wellington, and we move fast with indicative decisions in twenty four working hours when your documents are complete and correct. We look at the whole picture including equity, trading history, and cash flow rather than a credit score alone, we guide you through valuation and legal steps, and we are upfront about risk based pricing, with application, valuation, and legal costs set out in your loan agreement, and we don’t publish a rate range because pricing is higher than bank lending and tailored to the risk and term.
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.
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 with Wellington Second Mortgage Business Loans today about second mortgage business loans Wellington and get a clear plan, a firm timeline, and a practical exit strategy. Call or send a message to start the job or get a quote, and we will tell you exactly what documents we need to get you an indicative answer fast.
Fast Approvals - $20k to $500k
