About Us
Cash flow gaps hit fast when a supplier calls or a tax bill lands in Hamilton. We solve it with second mortgage business loans that frees up equity in a residential or commercial property for three to twenty four months, most often six to twelve, from twenty thousand to five hundred thousand based on your trading history.
Property secured business lending is our lane and we have closed many second charges across residential and commercial property in Hamilton. We move fast with clear terms, handle valuations and title work, and underwrite based on trading history and a real exit plan rather than a single score.
You get loan sizes from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty four months and most second mortgage loans sitting around six to twelve months, and we can allow interest only or principal and interest with interest capitalised when that helps cash flow, and repayments can be weekly, fortnightly, or monthly. Pricing is risk based and higher than bank lending for this short term funding, indicative decisions often come within twenty four working hours when documents are complete, total lending can reach about a ninety percent loan to value ratio in strong cases, early repayment is usually fine under the contract, and we accept both residential and commercial property while rural and lifestyle blocks are out.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Talk to our local team about second mortgage business loans Hamilton. Call or send a message to start your application or get a quick quote on funding terms today.
Fast Approvals - $20k to $500k
