About Us
Cash flow gets tight while the bank takes too long or says no, and payroll or a tax bill or a custom made stock buy won’t wait. We arrange second mortgage business loans in New Plymouth with short term property secured funding and a clear plan to get you funded fast and out on time.
We are a local team at New Plymouth Second Mortgage Business Loans and we look at the whole picture, not just a score, with indicative decisions inside 24 working hours when your documents are complete and correct. Common snags are missing bank statements, overstated property value, or a thin exit strategy, and those can slow settlement, raise costs, or stop a deal.
You get clear answers within 24 working hours once we’ve complete and correct documents, flexible repayment choices including interest only or principal and interest, the option to capitalise interest when that fits cash flow, and early repayment allowed subject to your contract. We accept residential or commercial security in New Plymouth but not rural or lifestyle blocks, we can consider total lending up to about 90 percent loan to value ratio in strong cases, and we set out all costs in the loan agreement so you know the full picture.
We offer second mortgage business loans from twenty thousand dollars to five hundred thousand dollars for three to twenty four months, with most terms landing between six and twelve months, interest only or principal and interest, with weekly, fortnightly, or monthly payments and the option to capitalise interest in some cases. Eligibility ties to trade history and scale with a minimum of six months for smaller loans up to five years for the largest, a minimum monthly turnover of twenty thousand dollars, credit scores considered but never the only factor, sufficient equity, both residential and commercial property accepted, and no rural or lifestyle blocks, and the common mistakes are weak exit plans, incomplete documents, overestimating property value, trying to use ineligible property, or not telling the first mortgage holder which can cause delays, higher costs, covenant breaches, or failed settlements.
Talk with us about second mortgage business loans in New Plymouth and let us map a workable timeline and exit that fits your cashflow. Call or send a message to New Plymouth Second Mortgage Business Loans to get a quick quote or to start the process today.
Fast Approvals - $20k to $500k
