Financing for the property, not just the borrower
Multifamily, retail, office, industrial, and mixed-use. Commercial underwriting looks at what the building earns, which means the deal can work even when a personal balance sheet would not carry it. We help you find the structure that fits and the lender who will actually do it.
Different buildings, different money.
Commercial lending is not one product. The right one depends on the asset, the hold period, and whether you occupy the space or lease it out.
Multifamily (5+ units)
Apartment buildings above the four-unit residential cutoff, where the rent roll carries the loan.
Retail & Office
Strip centers, single-tenant retail, and professional office space, priced off lease quality and term.
Industrial & Warehouse
Light industrial, flex, and distribution space, including owner-occupied facilities.
Mixed-Use
Ground-floor commercial with residential above. Underwriting depends on the split between the two.
Owner-Occupied
You run the business that occupies the building. Often the cheapest commercial money available, including SBA 504.
DSCR & Investor Loans
Qualified on the property's debt service coverage rather than your personal income documents.
Bridge & Value-Add
Short-term money to acquire, stabilize, or reposition before a permanent loan takes over.
Construction
Ground-up and major renovation, drawn in stages against completed work.
Cash-Out Refinance
Pull equity out of a stabilized asset to fund the next acquisition or clear higher-cost debt.
Three numbers get you an answer fast.
Most commercial enquiries stall because nobody asked for the right information up front. Before a lender will say anything useful, the file needs to show what the property earns, what it costs to carry, and what you are putting in.
- Net operating income, the rent roll minus real operating expenses
- Debt service coverage, how far income clears the payment
- Loan to value, and how much of it you are funding yourself
Bring those and the first conversation is a real answer instead of a maybe. If you do not have them yet, we will help you build them.
Four steps, no wasted applications.
Deal Review
You describe the property and the plan. We tell you honestly whether it is financeable as presented.
Package
Rent roll, operating statements, and a use of funds, assembled the way a credit committee expects to read it.
Lender Match
We take it to lenders who actually fund that asset class, rather than shotgunning it and burning your name.
Term Sheet to Close
You compare real terms side by side, then we stay on the file through appraisal, diligence, and funding.
Commercial lending enquiry
Tell us about your financing needs. Oceana will review your enquiry and connect you with a lending expert. No credit pull and no obligation.
Got it
Thanks. Your enquiry has been sent to the Oceana office for review and assignment to a lending expert.
Back to HomeFunding the business, not the building?
If what you need is working capital, equipment, or a line of credit rather than property financing, start with Business Lending.
If you want to see where your business stands with lenders before you borrow anything, Lendavo scores your funding readiness first.
Have a property in front of you?
Send the numbers. One conversation tells you whether it finances, and at roughly what terms.