About Us
Cash flow gets tight in Christchurch when a big invoice is late, a tax bill hits, or you need stock now. We arrange second mortgage business loans secured against your property for working capital, bridging to refinance or sale, stock and equipment purchases, tax debt catch up, and short term project costs.
Our team at Christchurch Second Mortgage Business Loans knows property secured business lending inside and out, and we care about getting it right. We look at the whole picture not just a credit score, we accept both residential and commercial security, we do not accept rural or lifestyle blocks, total lending can reach about a ninety percent loan to value ratio in stronger cases, and we can give an indicative decision within twenty four working hours when your documents are complete and correct.
You get clear answers within 24 working hours once we’ve complete and correct documents, flexible repayment choices including interest only or principal and interest, the option to capitalise interest when that fits cash flow, and early repayment allowed subject to your contract. We accept residential or commercial security in Christchurch but not rural or lifestyle blocks, we can consider total lending up to about 90 percent loan to value ratio in strong cases, and we set out all costs in the loan agreement so you know the full picture.
We offer second mortgage business loans from 20,000 dollars to 500,000 dollars with terms from 3 to 24 months and typical second mortgage durations of 6 to 12 months, and we can move fast once we have full and correct documents. We take residential or commercial property in Christchurch as security, we don’t take rural or lifestyle blocks, we can consider total lending up to about a 90 percent loan to value ratio in strong cases, we set payments as interest only or principal and interest on a weekly, fortnightly, or monthly cycle, we can capitalise interest in some cases, we allow early repayment under the contract, and we look for minimum trading history that increases with loan size and a monthly turnover of at least 20,000 dollars while we consider credit scores but don’t rely on them alone.
Talk with Christchurch Second Mortgage Business Loans about second mortgage business loans in Christchurch today. Call or send a message for a quick quote and an indicative decision within twenty four working hours.
Fast Approvals - $20k to $500k
