About Us
Cash flow gets tight and most of your funding sits behind a first mortgage. We arrange second mortgage business loans in Christchurch secured against residential or commercial property to access fast working capital, bridge to refinance or sale, and fund urgent projects.
Our team at Christchurch Second Mortgage Business Loans focuses on short term, property secured lending for trading businesses and we judge real cash flow and equity rather than a credit score alone, and we set all application, valuation, and legal costs out in the loan agreement so nothing surprises you. We work with businesses from six months in trade on smaller loans through to five years for the largest, we expect at least twenty thousand dollars in monthly turnover, and we only fund when there’s sufficient equity.
You get quick answers, flexible loan structures, and straight talk that keeps your plans moving without guesswork. We pick up the phone, keep you updated, and do what we say.
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.
Speak with our Christchurch team about second mortgage business loans today. Call or message Christchurch Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
