About Us
Bank timelines can blow up your plans and your cash flow takes the hit. We fund second mortgage business loans in Christchurch for working capital, bridging a refinance, stock buys, payroll, or finishing jobs, and we do it fast.
Our team has deep local experience with short term, property secured lending and we keep the process tight from first call to settlement with risk based pricing that is higher than bank lending but explained in plain words. We look beyond a single credit score, can consider total lending up to about ninety percent loan to value in strong cases, and focus on structures that actually settle on time.
You get fast funding sized to your business and equity, with pricing that is risk based and higher than bank lending because these are short term and higher risk, property secured loans. We look beyond a credit score, we expect at least 20,000 in monthly turnover and a minimum trading history that rises with loan size from about six months for smaller loans up to about five years at the top end, total lending can reach about 90 percent loan to value ratio in strong cases, terms run three to twenty four months with most second mortgages at six to twelve months, interest can be capitalised, early repayment is allowed under the contract, and all fees are set out in the loan agreement.
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’ve 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 to our team about second mortgage business loans in Christchurch today. Call or message Christchurch Second Mortgage Business Loans to get a quick read on eligibility and a clear quote.
Fast Approvals - $20k to $500k
