About Us
Cash flow gets tight when a tax bill lands, a supplier discount window opens, or a project runs long and banks move slowly or say no. We arrange second mortgage business loans in New Plymouth using your property equity to unlock short term funding for working capital, bridging a purchase, clearing arrears, or finishing a build.
We are local to New Plymouth and we know how to read your numbers, your equity, and your timeline. Our team has strong experience with property secured lending and we stay practical, fast, and clear from first call to settlement.
You get fast answers when your file is complete, often an indicative decision within twenty four working hours, and we set out pricing and fees in the loan agreement including application, valuation, and legal costs, and early repayment is usually allowed under the contract terms. We look past just a credit score, accept both residential and commercial security, can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, may capitalise interest where it fits, and in strong cases total lending can reach about ninety percent combined loan to value ratio with risk based pricing that sits higher than bank lending because these loans are short term and higher risk.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Talk with our New Plymouth team about second mortgage business loans today and get a straight answer within one business day when your documents are complete and right. Call or message New Plymouth Second Mortgage Business Loans to get a quote and a clear path to funding.
Fast Approvals - $20k to $500k
