About Us
Banks move slow and cash flow does not wait, so deals fall over and bills stack up. At Tauranga Second Mortgage Business Loans in Tauranga, 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 at Tauranga Second Mortgage Business Loans knows second charge lending and the quirks of local property in Tauranga. We assess the full story not just a score, move to an indicative approval in about one business day when documents are complete, and we handle first mortgage consent and deed of priority so the process stays on track.
You get straight terms, a clear exit plan, interest only or principal and interest options, and the choice to capitalise interest in some cases so repayments match your cashflow. The biggest mistakes are using short term funding as long term finance, overestimating property value, skipping a realistic exit, or missing consents, which leads to delays, higher cost, and in worst cases default and forced asset sales.
We fund from twenty thousand dollars to five hundred thousand dollars on terms from three to twenty four months with most second mortgage business loans running six to twelve months and we can set interest only or principal and interest with weekly, fortnightly, or monthly repayments and capitalised interest when that suits the plan. To qualify you need a trading history that grows with loan size from six months on smaller amounts to five years on the maximum, minimum monthly turnover of twenty thousand dollars, strong equity in acceptable property since rural or lifestyle blocks are not taken, and clean, correct documentation for quick indicative approval while credit scores are considered but not the deciding factor on their own, and the big mistakes to avoid are asking for the maximum with thin history, submitting incomplete paperwork, or skipping a clear exit which can lead to delays, higher costs, extensions, or even forced sales.
Talk to our Tauranga team about second mortgage business loans Tauranga today so you can solve the cash gap and keep work moving. Call or message Tauranga Second Mortgage Business Loans to get a quick quote or set up a time to run your numbers.
Fast Approvals - $20k to $500k
