SBA Preferred Lender
The Real Deal for Small Business Lending:

While other small business lenders rely solely on strict underwriting guidelines to approve loans, Ocean Capital takes individual circumstances into consideration. Due to our in depth understanding of the USDA and SBA loan guidelines, we can help borrowers with:

  • FICO scores as low as 660
  • Those in need of 80% financing
  • Those requiring low debt-service coverage

Offering Unmatched Experience for USDA & SBA Financing

Ocean Capital has been providing SBA loans and USDA loans to small business owners since 1981. Armed with this experience, we know how to best structure deals, close transactions, and offer financing advice that oftentimes saves our clients more money than anticipated.

We Do All The Heavy Lifting.
And We Do It Quickly.

Borrowers want rapid financing. Our streamlined one-step process offers the most efficient execution available. At Ocean Capital, we work with our clients through every stage of the process to ensure that loans are processed in a fast and seamless manner. Your one easy step involves only submitting an application. We take care of the rest.

Providing SBA Loans and USDA Loans for Over 25 Years

Ocean Capital is a nationwide small business lender that offers financing to borrowers through government guaranteed SBA loans and USDA loans. As a division of a Federal Savings Bank with over $200 million in assets, Ocean Capital has been providing business loans and financing since 1981. We specialize in small-balance commercial loans ranging from $250,000 to $5,000,000, and offer a variety of programs to accommodate most small business owner borrowing needs.


By utilizing SBA and USDA government guaranteed loan programs, we provide financing to borrowers seeking to:

  • Refinance their current commercial real estate loans
  • Receive cash out for equipment and expansion purposes
  • Purchase existing locations

Through us, owners of convenience stores, auto repair shops, used car dealerships and other business types have secured the funding they deserve.