About Us
Cash flow gaps and bank delays can put growth, payroll, or a custom made settlement at risk. We fund second mortgage business loans in New Plymouth secured behind your first mortgage on residential or commercial property so you can access short term working capital fast.
Our team has deep skill in short-term, property-secured lending, with a strong track record structuring second ranking mortgages that settle on time, and our straight talk and local knowledge in New Plymouth set us apart. Common mistakes are weak exit plans, missing documents, or optimistic valuations that push loan to value ratio too high, and those can cause delays, added costs, a decline, or default that puts your property at risk.
You get prompt answers, often an indicative decision within twenty four working hours once we have complete and correct documents, clear pricing that’s risk based and higher than bank lending, and repayment choices that fit cash flow with early repayment allowed under the contract, and we don’t publish a rate range. The common mistakes are mismatching the loan term to the exit plan, overestimating property value, sending incomplete documents, or offering rural or lifestyle security, and those can lead to delays, added costs, default charges, or a pressured refinance.
We fund bridging to refinance or sale, stock and payroll, tax arrears, deposits for new sites, and project gaps, and we handle valuations, legal work, and first mortgagee consent, and pricing is risk based and higher than bank lending with fees for application, valuation, legal, and other costs detailed in the loan agreement and early repayment usually allowed under the contract. The common mistakes are weak exit plans, incomplete documents, over optimistic time frames, or offering rural or lifestyle property which we don’t accept, and getting these wrong can cause delays, added costs, default risk, or pressure from your first mortgagee.
Talk with us about second mortgage business loans in New Plymouth today and see what your property equity can do for your business. Call or message to start a quick review and get a quote from our team.
Fast Approvals - $20k to $500k
