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 unlock 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.
Our team at Hamilton Second Mortgage Business Loans knows the local market and has real experience getting property secured business lending done in Hamilton, and we move fast with indicative decisions in twenty four working hours when your documents are complete and correct. We look at the whole picture including equity, trading history, and cash flow rather than a credit score alone, we guide you through valuation and legal steps, and we are upfront about risk based pricing, with application, valuation, and legal costs set out in your loan agreement, and we don’t publish a rate range because pricing is higher than bank lending and tailored to the risk and term.
You get a fast decision within twenty four working hours when your paperwork is complete and total lending may reach about ninety percent loan to value ratio in strong cases with flexible repayments that fit your cash flow. We accept residential or commercial property as security, price each deal on risk which is higher than bank lending, and we set out application, valuation, legal, and other costs in the loan agreement with early repayment allowed under the contract.
Loan sizes run from $20,000 to $500,000 for three to twenty four months, with most second mortgages running six to twelve months with extensions possible, and pricing is risk based and higher than bank lending. Total lending may reach about ninety percent loan to value ratio in strong cases, we accept residential or commercial security but not rural or lifestyle blocks, we expect at least six months trading history for smaller loans up to five years for the largest amounts, a minimum monthly turnover of $20,000, enough property equity, and we consider credit scores but never on their own, with fees such as application, valuation, and legal set out in the loan agreement and early repayment usually allowed under the contract.
You can contact our local team in Hamilton about second mortgage business loans and get a quick quote and timeline that fits your plan. Reach out to Hamilton Second Mortgage Business Loans now and we will map the documents needed and move from application to settlement without delay.
Fast Approvals - $20k to $500k
