About Us
Cash gaps from slow bank timeframes, tax arrears, or a deal that won’t wait can choke growth. Hamilton Second Mortgage Business Loans gives fast second mortgage business loans in Hamilton for working capital, bridging to a refinance or sale, clearing tax arrears, consolidating short term debt, buying stock or equipment, and covering payroll as short term transitional funding.
Our local team knows short term and transitional funding cold and we match structure to a real exit like a refinance or a sale. We focus on trading history, equity, and the story behind the numbers, and we keep the process clear so you know costs, timing, and next steps.
You get fast funding sized to your business and equity, with pricing that is risk based and higher than bank lending because these are short term and higher risk, property secured loans. We look beyond a credit score, we expect at least 20,000 in monthly turnover and a minimum trading history that rises with loan size from about six months for smaller loans up to about five years at the top end, total lending can reach about 90 percent loan to value ratio in strong cases, terms run three to twenty four months with most second mortgages at six to twelve months, interest can be capitalised, early repayment is allowed under the contract, and all fees are set out in the loan agreement.
We fund $20,000 to $500,000 for 3 to 24 months, with most second mortgage loans running 6 to 12 months as short-term or transitional funding with risk based pricing that is higher than bank lending. We assess real trading history and equity with a minimum monthly turnover of $20,000 and time in business that grows with the loan size from six months at the low end to five years at the top, and we support weekly, fortnightly, or monthly repayments.
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.
