About Us
Cash flow gaps and bank delays can put growth, payroll, or a custom made settlement at risk. We fund second mortgage business loans in Hamilton secured behind your first mortgage on residential or commercial property so you can unlock short term working capital fast.
Our team at Hamilton Second Mortgage Business Loans lives and works in Hamilton and understands local values, timelines, and the way deals get done. We have long experience with property equity lending for small businesses and can give an indicative approval within twenty four working hours once you send clear bank statements, recent financials, a rates notice, and basic property details.
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.
Our second mortgage business loans range from 20,000 to 500,000 with larger amounts tied to longer trading history from six months for smaller loans up to five years for the largest loans, we accept residential or commercial security but not rural properties or lifestyle blocks, we consider credit but focus on turnover of at least 20,000 a month and enough equity, and we can look at total lending up to about 90 percent loan to value ratio in strong cases. We handle the steps end to end including document collection, valuation, title checks, consent where required, second charge registration, and settlement, and we help you avoid common mistakes like weak exit plans, missing the true cost of fees and legal work, using short term funds for long term needs, or overextending the loan to value ratio which can lead to declined deals, higher costs, or pressure at refinance, and all application, valuation, legal, and other costs are set out in your loan agreement.
Talk with our Hamilton team about second mortgage business loans Hamilton and get a clear quote and time frame today. Message us at Hamilton Second Mortgage Business Loans and we will map the loan size, term, and repayment plan so you can move on your plan.
Fast Approvals - $20k to $500k
