About Us
Banks move slow and cash flow doesn’t wait, so deals fall over and bills stack up. At Hamilton Second Mortgage Business Loans in Hamilton, we arrange second mortgage business loans that use your property equity to unlock short-term working capital, bridging funds, or a fast refinance with a clear exit plan.
Our local team knows property secured business lending and the quirks of trading in Hamilton. We look at the whole picture and structure behind your first mortgage the right way, then move quickly while staying careful with valuations, legal work, and consent.
Loans range from 20,000 dollars to 500,000 dollars with the largest amounts linked to longer trading history, and typical terms run 6 to 12 months with options from 3 to 24 months if the deal needs it. Pricing is risk based and higher than bank lending, total lending can reach about 90 percent loan to value ratio in strong cases, repayments can be weekly, fortnightly, or monthly, interest may be interest only or principal and interest with the option to capitalise, early repayment is usually allowed under the contract, and fees are set out in the loan agreement.
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 don’t 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 us about second mortgage business loans in Hamilton today and see what your property equity can do for your business. Call or message to start a quick review and get a quote from our team.