SBA Preferred Lender

Providing SBA Loans, USDA Loans and Other Commercial Real Estate Loans for Your Unique Property Needs

Ocean Capital requires that borrowers own and occupy the property that they’re business operates from.

Medical Facilities
This includes dentists, chiropractors, veterinarians, surgeons, physical therapists and other businesses serving the health needs of the community.
> View loan guidelines for Medical Facilities

Automotive Repair/Sales
This includes auto repair financing, and financing for auto auction properties, used car dealerships, lube stations and towing companies for self-employed investors in need of short-term or long-term capital.
> View Automotive Property Information

This includes financing for independent food markets, liquor stores, laundromats, restaurants, bars, drugstores, outlet centers, strip malls, single-tenant properties, regional enclosed & unenclosed properties, and many other retail business types.
> View loan guidelines for Retail

Light Industrial
This includes financing for warehouses, manufacturing facilities, and research and development properties. Eligible properties must be owner-occupied and can have multiple tenants.
> View loan guidelines for Light Industrial

This includes office building financing to properties such as medical offices, mid-rise offices, office-over-retail properties, single tenant properties, and office buildings for legal, architectural and engineering professionals.
> View loan guidelines for Office

Eligible mixed-use properties must contain both a commercial unit and a residential unit with the owner-occupied business making up at least 51% of the property.
> View loan guidelines for Mixed-use

Service Businesses
This includes any businesses which provide a service rather than a tangible product to their customers. Businesses include day-care, assisted living, and self-storage facilities.
> View loan guidelines for Service Businesses