Business Lending

Capital for the business you are already running

Working capital, a line of credit, equipment, or an SBA loan. The product matters less than being matched to a lender who funds businesses that look like yours, with a file that answers their questions before they ask.

Talk About Funding See Funding Types

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Funding Types

Match the money to the need.

Cheap money is slow and slow money is expensive. What you need depends on how fast, how much, and what it is for.

Lowest cost

SBA 7(a)

Government-guaranteed term loans for working capital, acquisition, or expansion. Best rates, longest paperwork.

Lowest cost

SBA 504

Owner-occupied real estate and heavy equipment, with a long fixed rate and a low down payment.

Flexible

Line of Credit

Draw, repay, and draw again. The right tool for uneven cash flow rather than a one-time purchase.

Flexible

Term Loan

A fixed amount over a fixed period, for a project with a knowable payback.

Asset backed

Equipment Financing

The equipment secures the loan, so approval leans on the asset rather than only on your credit.

Asset backed

Invoice Factoring

Turn receivables into cash now instead of waiting out net 30, 60, or 90.

Fastest

Revenue-Based Funding

Repaid as a share of sales. Quick and available to thinner files, and priced accordingly.

Startup

Credit Stacking

Structured business credit lines for newer companies without the trading history a bank wants. Covered under Business Programs.

Before You Apply

Shotgunning applications is what kills approvals.

Every application leaves a mark. Apply to eight lenders in a fortnight and the ninth sees a business that looks desperate, which is how a fundable company ends up with nothing but declines and a damaged file.

Know your funding readiness before anyone pulls anything
Fix the two or three things that are actually blocking approval
Then go to the two lenders most likely to say yes

See Where You Stand First

A business owner reviewing a print proof beside commercial printing equipment

How It Works

Readiness first, applications second.

Position Check

Time in business, revenue, deposits, existing debt, and credit. Fifteen minutes tells us what is realistic.

Clean the File

If something is blocking approval and can be fixed in weeks, we fix it before applying, not after a decline.

Targeted Submission

We go to lenders that fund your profile and asset type, with the documents they expect.

Compare and Close

You see real offers side by side, including the true cost, not just the headline rate.

Business lending enquiry

Tell us about your financing needs. Oceana will review your enquiry and connect you with a lending expert. This is not a loan application.

Full Name

Please enter your full name.

Phone Number

Please enter your phone number.

Email Address

Please enter a valid email address.

Business Name

Please enter your business name.

What is the money for?

Please choose an option.

Time in Business

Please choose an option.

Estimated credit score

Use a score from 300 to 850, or leave blank.

Average monthly revenue (USD)

Enter a valid monthly amount, or leave blank.

Lending options you’d like to discuss

Select all that apply. Our team will help you understand the options.

Rough amount needed, and anything else we should know

I agree to be contacted by Oceana Global Wealth Partners by phone, email, or text about my inquiry, and I acknowledge the Privacy Policy. Message/data rates may apply; consent is not a condition of any loan or purchase.

Please confirm you agree to be contacted.

Got it

Thanks. Your enquiry has been sent to the Oceana office for review and assignment to a lending expert.

Back to Home

Buying or refinancing property?

If the money is for a building rather than the operation, start with Commercial Mortgages.

For credit stacking, bookkeeping, benefits, and compliance, see Business Programs.

(877) 414-6497
info@oceanagwp.com

How business financing is provided: Oceana Global Wealth Partners is not a lender and does not make credit decisions, set rates, or issue approvals. Business financing is arranged through independent third-party lenders and funding partners. We may receive compensation from a lender or partner when a transaction funds; ask us and we will tell you plainly how we are paid on your deal. Nothing on this page is a commitment to lend, an offer to extend credit, or an advertisement of any specific rate, amount, or term. All financing is subject to lender underwriting and final credit approval. Terms depend on time in business, revenue, deposits, existing obligations, credit profile, industry, and the state you operate in, and are subject to change without notice. Not all applicants will qualify and no outcome is guaranteed. Business financing is business-purpose credit and does not carry the same consumer protections as consumer credit. Most business lenders require a personal guarantee, which puts your personal assets at risk if the business cannot repay. Revenue-based and short-term products can carry an effective annual cost far above a bank rate; ask for the total cost of capital and the annualised figure, in writing, before you sign anything.

Find out what you actually qualify for.

Before an application goes anywhere, know where you stand and which two lenders are worth approaching.

Talk About Funding Check Funding Readiness