About Us
Cash flow gaps and bank delays can put growth, payroll, or a custom made settlement at risk. We fund second mortgage business loans in Hamilton secured behind your first mortgage on residential or commercial property so you can unlock short term working capital fast.
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 practical structures such as loan sizes from twenty thousand to five hundred thousand, terms from three to twenty four months with most second mortgages running six to twelve months, and repayment choices that can be interest only or principal and interest with weekly, fortnightly, or monthly schedules, with interest capitalised in some cases. We look at real turnover of at least twenty thousand per month, your trading history which ranges from about six months for small loans up to five years for the largest amounts, and your equity position rather than leaning on credit score alone, and in strong cases total lending can reach about ninety percent loan to value ratio.
We offer second mortgage business loans from twenty thousand dollars to five hundred thousand dollars for three to twenty four months, with most terms landing between six and twelve months, interest only or principal and interest, with weekly, fortnightly, or monthly payments and the option to capitalise interest in some cases. Eligibility ties to trade history and scale with a minimum of six months for smaller loans up to five years for the largest, a minimum monthly turnover of twenty thousand dollars, credit scores considered but never the only factor, sufficient equity, both residential and commercial property accepted, and no rural or lifestyle blocks, and the common mistakes are weak exit plans, incomplete documents, overestimating property value, trying to use ineligible property, or not telling the first mortgage holder which can cause delays, higher costs, covenant breaches, or failed settlements.
You can contact our Hamilton team about second mortgage business loans today. You can ask for a quick call and a quote so we can map out the numbers and timing that fit your next move.
Fast Approvals - $20k to $500k
