About Us
Cash flow can get tight in Tauranga when a supplier wants payment now or an opportunity pops up and the bank moves slow. We fund second mortgage business loans in Tauranga secured against your property to cover working capital, bridging to a sale or refinance, stock buys, renovations, or tax payments, with fast decisions and clear terms.
Our team has deep experience in property backed business lending in Tauranga and we look at the whole picture rather than a score alone. You get clear terms, fast indicative decisions within 24 working hours when documents are complete, and a real plan for how the loan is repaid or refinanced without drama.
We give prompt answers with indicative approval in twenty four working hours when your documents are complete, terms from three to twenty four months with most second mortgages running six to twelve months and extension options, and drawdowns that stick to the timeline. Pricing is risk based and higher than bank lending, but we offer options like interest only, capitalised interest, and flexible weekly, fortnightly, or monthly repayments that keep your cash flow steady, and early repayment is allowed under your contract terms.
Loan sizes run from $20,000 to $500,000 for three to twenty four months, with most second mortgages running six to twelve months with extensions possible, and pricing is risk based and higher than bank lending. Total lending may reach about ninety percent loan to value ratio in strong cases, we accept residential or commercial security but not rural or lifestyle blocks, we expect at least six months trading history for smaller loans up to five years for the largest amounts, a minimum monthly turnover of $20,000, enough property equity, and we consider credit scores but never on their own, with fees such as application, valuation, and legal set out in the loan agreement and early repayment usually allowed under the contract.
Talk with us about second mortgage business loans Tauranga today. Call or send your figures for a quick quote and we will confirm what you can borrow and the steps to settle.
Fast Approvals - $20k to $500k
