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 Christchurch using your property equity to access short term funding for working capital, bridging a purchase, clearing arrears, or finishing a build.
Our team has deep experience structuring short term property secured funding that sits behind your first mortgage. We expect at least $20,000 in monthly turnover and a trading history that grows with the loan size, we know the Christchurch market, we look at your equity, trading strength, and exit plan not just a score, and we can give an indicative decision within 24 working hours when documents are complete.
You get straight answers, quick timeframes, and a loan shaped to how your business earns and pays. We give indicative decisions in about twenty four working hours when your documents are complete, accept both residential and commercial security, may reach a total loan to value ratio near ninety percent in strong cases, and we are open about pricing and fees before you sign so you avoid surprises.
We fund $20,000 to $500,000 for 3 to 24 months, with most second mortgage loans running 6 to 12 months as short-term or transitional funding with risk based pricing that is higher than bank lending. We assess real trading history and equity with a minimum monthly turnover of $20,000 and time in business that grows with the loan size from six months at the low end to five years at the top, and we support weekly, fortnightly, or monthly repayments.
Talk with us about second mortgage business loans in Christchurch and get a clear plan and timeframe. Call or send a message for a straight quote and fast next steps.
Fast Approvals - $20k to $500k
