About Us
Cash gets tight when the bank moves slow and your equity is stuck in a property. At Christchurch Second Mortgage Business Loans in Christchurch we arrange second mortgage business loans with clear terms so you can move now for stock, payroll, tax needs, or a short project gap.
We are Christchurch Second Mortgage Business Loans in Christchurch and we focus on short term, property secured business lending. You get straight answers, a simple checklist, and an indicative decision in 24 working hours once we receive full and correct documents, then we check trading history and turnover, review equity and any required bank consent, order valuation, and work with your solicitor to settle.
You get funding from $20,000 to $500,000 for three to twenty four months, with most second mortgages running six to twelve months and extensions possible when the exit makes sense. Pricing is risk based and higher than bank lending, total lending can reach about a ninety percent loan to value ratio in strong cases, we accept residential or commercial property but not rural or lifestyle, we weigh credit scores but look at the whole picture, we set out application, valuation, legal, and other costs in the agreement, early repayment is usually allowed under the contract, you can choose interest only or principal and interest, payments can be weekly, fortnightly, or monthly, interest can be capitalised, and trading history needs range from six months for smaller loans up to five years for the largest amounts.
We arrange second mortgage business loans for working capital, bridging between a purchase and a sale, clearing arrears or tax pressure, or custom-made stock and equipment buys so your plans don’t stall. We accept residential and commercial security only, look for at least six months of trading for smaller loans and up to five years for the largest amounts, expect monthly turnover of about twenty thousand dollars, offer interest-only or principal-and-interest with weekly, fortnightly, or monthly payments, can capitalise interest in some cases, and early repayment is generally allowed under the contract.
Talk with Christchurch Second Mortgage Business Loans about second mortgage business loans in Christchurch and tell us what you need. Call or send a short summary of your business trading history, property security, and loan goal so we can size it, price it, and give you a clear path and quote.
Fast Approvals - $20k to $500k
