About Us
Bank timelines can blow up your plans and your cash flow takes the hit. We fund second mortgage business loans in Palmerston North for working capital, bridging a refinance, stock buys, payroll, or finishing jobs, and we do it fast.
Our local team has funded many short term, property secured deals across Palmerston North and we know how to read both equity and trading strength. We look at the whole story, not just a score, and we can give an indicative decision within 24 working hours with clear terms and realistic timelines.
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.
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 us about second mortgage business loans Palmerston North and get a straight funding quote that matches your timeline and exit plan. Call or send your details today and we will map the steps and get your file moving.
Fast Approvals - $20k to $500k
