Commercial & Construction Lending
At Oceana Global Wealth Partners, we approach lending the way seasoned mariners approach open water: with clarity, preparation, and a commitment to keeping your long-term financial goals on course. Borrowing, when managed strategically, becomes a powerful tool for wealth creation. We align your strategy to balance leverage, liquidity, risk, and long-range financial outcomes.
Whether you're expanding a business, acquiring commercial property, or building a home, our lending solutions are designed to keep you steady, informed, and financially optimized at every step.
Navigate Business Expansion With Confidence
Acquiring, developing, or constructing commercial property can feel like entering open waters. Our lending team serves as your navigator: experienced, steady, and deeply familiar with the currents that move today’s markets.
We provide guidance across a broad spectrum of commercial property types, including office buildings, industrial facilities, mixed-use projects, and multifamily developments.
What Is Commercial Lending?
Commercial lending is the financial engine that helps businesses power their journey forward—whether they are seeking new markets, expanding operations, or acquiring critical assets.
How It Works
Debt-based financing structured to support growth:
- Borrow capital and repay over time with interest
- Working capital for smooth sailing (operational stability)
- Capital expenditures for upgrading your fleet (equipment, real estate)
- Business expansion to explore new territory
- Acquisitions to strengthen your fleet
How It Differs From Residential Lending
Commercial lending focuses on the business as the vessel. Lenders evaluate:
- Strength of the business
- Stability of cash flow
- Value of collateral
- Experience of ownership and management
Each lender charts risk differently, so strategy matters.
Types of Commercial Loans
- Term Loans – predictable payments on a defined schedule
- Lines of Credit – flexible access to capital
- Commercial Real Estate Loans – purchase, construction, or renovation
- Equipment Financing – upgrade or expand business capacity
Build With Confidence. Sail With a Plan.
Construction financing requires structure, timing, and careful oversight. Our lending programs are designed to support the build process from start to finish while maintaining strong liquidity and long-term financial optionality.
Why Borrow With Us?
We offer a full suite of construction financing solutions:
- Construction-to-Permanent Loans
- Owner-Builder Programs
- Lot Loans
- Bridge Financing
- Builder Spec Loans
- Remodeling & Rehab Loans
Construction Loans: An Overview
Construction loans provide short-term funding for building or significantly renovating a home.
How They Work
- Short-term financing during the build
- Draw-based disbursements aligned with project milestones
- Inspections at each stage
- Interest-only payments during construction
From there, you can:
- Use a one-time close (Construction-to-Permanent)
- Refinance into a long-term mortgage
This structure preserves liquidity and allows you to take advantage of how inflation gradually reduces the real cost of long-term liabilities over time.
Types of Construction Loans
- Construction-to-Permanent (One-Time Close) – one closing, one loan, smooth waters from build to long-term financing.
- Construction-Only (Two-Time Close) – ideal when future financing flexibility is needed.
- Renovation Construction Loans – major remodels and upgrades to an existing property.
- Lot Loans – secure the land where your future home will anchor.
- Bridge Loans – use equity in your current home until the next property is secured.