About Us
Cash flow gaps hit fast when a supplier calls or a tax bill lands in Christchurch. We solve it with second mortgage business loans that unlock equity in a residential or commercial property for three to twenty four months, most often six to twelve, from twenty thousand to five hundred thousand based on your trading history.
Our team has real ability in property secured lending and knows the local market in Christchurch, so you get straight answers and a deal that fits your exit plan. We flag common pitfalls early such as missing consent from the first mortgagee, thin or unrealistic exit strategies, or underestimating valuation and legal costs, because the wrong setup can cause delays, default interest, or a forced sale.
You get fast decisions from people who live and work in Christchurch, with indicative answers within twenty four working hours when the documents are complete, and we answer the phone when you need clarity. We fund risk based and higher than bank pricing for three to twenty four months, usually six to twelve months, with early repayment allowed as set out in the loan agreement, and in strong cases total lending can reach about ninety percent loan to value with interest only or principal and interest choices and the option to capitalise interest.
Loans run from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty-four months, and most second mortgage business loans run six to twelve months with extensions possible. We secure against residential or commercial property in Christchurch and not rural or lifestyle blocks, pricing is risk-based and higher than bank lending, eligibility grows with time in business from six months for smaller loans up to five years for the largest with a minimum monthly turnover of twenty thousand dollars, interest can be paid weekly or fortnightly or monthly, early payment can be allowed under the contract, total lending may reach about ninety per cent loan-to-value in stronger cases, and application, valuation, legal, and other costs are set out in your loan agreement.
Talk to us about second mortgage business loans in Christchurch and get a quick quote or a call to map the numbers and timing. Call or send your details and we’ll get you moving.
Fast Approvals - $20k to $500k
