About Us
Cash is tight, the bank is slow, and the window to move is closing. We fund second mortgage business loans in Hamilton with short terms, quick answers, and property backed options that bridge time and cash gaps, and the big mistakes we see are waiting too long, overestimating value, or skipping an exit plan which leads to delays, higher cost, or a forced sale.
Clients work with a local team that knows property secured lending and moves quickly without cutting corners, with indicative answers in about 24 working hours when documents are complete and right. We use real underwriting rather than a computer score, give clear terms up front, help you avoid missteps that slow approval or raise costs, and treat credit scores as one part of the picture.
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 service covers second mortgage setup against residential or commercial property, not rural or lifestyle blocks, along with quick valuations, legal coordination, and hands on support on uses like stock buys, marketing pushes, tax catch up, or a short bridge between bank rounds, with terms built for short runs not long term finance and extensions considered when needed. To qualify you need a trading history that matches the loan size from six months for smaller amounts up to five years for the maximum, at least twenty thousand dollars in monthly turnover, enough equity, and clean and correct documents because common mistakes like overstating property value, weak exit plans, or hiding arrears cause price hikes, delays, declines, or worse default risk and heavy costs.
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.
Fast Approvals - $20k to $500k
