About Us
Banks move slow and cash flow does not wait, so deals fall over and bills stack up. At Christchurch Second Mortgage Business Loans in Christchurch, we arrange second mortgage business loans that use your property equity to unlock short-term working capital, bridging funds, or a fast refinance with a clear exit plan.
Our team knows property backed business lending and we work with real trading numbers, real equity, and a clear exit plan. You get a quick read within 24 working hours when documents are complete, plus a local lender who will talk through risks and structure instead of hiding behind a scorecard, and we look past a credit score to the whole story.
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 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 Christchurch Second Mortgage Business Loans today about second mortgage business loans Christchurch and get a clear plan, a firm timeline, and a practical exit strategy. Call or send a message to start the job or get a quote, and we will tell you exactly what documents we need to get you an indicative answer fast.
