About Us
Cash flow gets tight when a tax bill lands, a supplier discount window opens, or a project runs long and banks move slowly or say no. We arrange second mortgage business loans in Hamilton using your property equity to unlock short term funding for working capital, bridging a purchase, clearing arrears, or finishing a build.
We are local and we know Hamilton values, lenders, and timelines. We move quickly with straight talk and can give an indicative decision within 24 working hours once documents are complete.
Loan sizes run from 20,000 dollars to 500,000 dollars and the largest amounts call for a longer time in business, with second mortgage terms usually 6 to 12 months and full terms from 3 to 24 months, and pricing is risk based and higher than bank lending because these loans are short term and higher risk. We can consider up to about 90 percent total loan to value ratio in strong cases, we take residential or commercial property as security but not rural or lifestyle blocks, we offer interest only or principal and interest with weekly, fortnightly, or monthly repayments and we can capitalise interest when the deal supports it, and we set out all fees in the loan agreement and allow early repayment subject to the contract.
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 to our Hamilton team about second mortgage business loans today. Call Hamilton Second Mortgage Business Loans or send us your numbers to get a quick quote and straight advice.
Fast Approvals - $20k to $500k
