About Us
Banks move slow and cash flow doesn’t wait, so deals fall over and bills stack up. At Hamilton Second Mortgage Business Loans in Hamilton, we arrange second mortgage business loans that use your property equity to access short-term working capital, bridging funds, or a fast refinance with a clear exit plan.
We are local and we’ve funded many small firms, so we speak plain language and we move fast while keeping the paperwork right. At Hamilton Second Mortgage Business Loans we look at trading history, monthly turnover of at least twenty thousand dollars, and equity, not only a credit score, and we match loan size to time in business from about six months for smaller loans up to five years for the largest, so the structure fits and you are not stuck.
You get workable terms between 3 and 24 months, with most second mortgages running 6 to 12 with possible extensions, pricing is risk based and higher than bank lending, and all costs such as application, valuation, and legal are set out in the agreement with early repayment allowed under contract. Common mistakes are asking for more than the equity supports, skipping a clear exit, or underestimating total cost, and those choices can slow approval, add fees, or cause decline.
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 with Hamilton Second Mortgage Business Loans about second mortgage business loans in Hamilton today and get a clear path and timing for your funding. Call or send us your details for a quick call back and a written quote.
Fast Approvals - $20k to $500k
