About Us
Cash is tight but your equity is strong and the window to move is small. We arrange second mortgage business loans in Christchurch that unlock working capital, clear tax pressure, fund stock or equipment, bridge a refinance, or tidy up urgent payables so you can keep trading.
Our team at Christchurch Second Mortgage Business Loans lives and works in Christchurch and understands local values, timelines, and the way deals get done. We have long experience with property equity lending for small businesses and can give an indicative approval within twenty four working hours once you send clear bank statements, recent financials, a rates notice, and basic property details.
You get workable loan sizes from twenty thousand dollars to five hundred thousand dollars tied to your trading history, short terms from three to twenty four months with six to twelve months common for a second, and repayment choices that include interest only or principal and interest with weekly, fortnightly, or monthly schedules and in some cases capitalised interest. Pricing is risk based and higher than bank lending because this is short term property secured money, this is transitional funding rather than long term finance, we accept residential or commercial security but not rural or lifestyle blocks, we look at real turnover and equity rather than just a credit score, and we expect at least twenty thousand dollars in monthly turnover with minimum trading history that starts at six months for smaller loans and reaches five years for the top amount.
Our core work is second mortgage lending, short term bridging, and top up working capital against property equity, which can help you cover a gap, win a deal, or steady cash flow while you move to bank funding, and we set everything out in a clear loan agreement with application, valuation, legal, and other costs listed. We do not publish a rate range because pricing is risk based and higher than bank lending, eligibility starts from six months trading for smaller loans and up to five years for the maximum amount with a minimum monthly turnover of twenty thousand and enough equity to support the lend, and credit scores are considered but not used on their own.
Talk to Christchurch Second Mortgage Business Loans about second mortgage business loans in Christchurch and get a clear path to funds. Call us or send your recent bank statements, profit and loss, and property details and we will come back with a fast quote and a settlement plan.
