SBA Preferred Lender

Your Small Business Lending Specialist.

  • Owner-occupied commercial mortgages up to $5 million
  • Up to 80% financing
  • Credit scores as low as 660
  • Low debt-service coverage requirement
  • Flexible underwriting guidelines

Borrowers: Receive Small Business Financing Today.

Ocean Capital has been providing affordable financing to the small business community for over 30 years. As a division of Home Loan Investment Bank, FSB, a Federally Regulated Savings Bank, Ocean Capital provides government guaranteed financing through our SBA loan and USDA loan programs. Since 1980, Ocean Capital has offered an assortment of commercial loan programs that helped small business owners expand their business, obtain working capital, consolidate business debt, update equipment, refinance their existing commercial real estate loan, or purchase their existing location.

Whether you’re in need of financing for your medical practice, manufacturing plant, convenience store, mixed-use property, auto repair shop, or financing for other unique property types, we can help. At Ocean Capital, we do all the work so that you can focus on what you do best – running your business. Let Ocean Capital help you secure your small business loan today.