ONLINE BANKING SYSTEM WILL BE TEMPORARILY UNAVAILABLE - The online banking system will be unavailable due to maintenance from Friday, May 17, 2024, at 10pm ET through Saturday, May 18, 2024, at 2pm ET. For more information, contact our Customer Service Center at 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648), International Toll Free 1-828-623-2625. 

In observance of Veterans Day, we will be closed Saturday, November 11. We will resume regular business hours on Monday, November 13.

Ocean Bank - Financial Results as of December 31, 2023. Continued Financial Strength Learn more

Small Business Loans

Small Business Loans

Power your business with a loan that fits your budget, meets your needs and fuels your growth.

Access funds for working capital, to purchase commercial real estate or to expand your business.

Small Business Lending Options

Small Business Loans and Lines of Credit

Strengthen working capital with a lump sum loan and a fixed monthly payment that fits your budget and financial forecasts. Or get access to a line of credit so you can draw what you need when you need it, up to a preset amount. As you repay advances, access funds as often as needed.

Commercial Mortgage

Buy or refinance commercial property to occupy or rent with lending terms and options that meet your budget. Add a new revenue stream to your business by acquiring space for immediate rental income and future growth.

Business Credit Cards

Issue employees cards with Mastercard® global acceptance and security, and monitor and control expenses while you earn rewards points redeemable for cash, travel experiences and merchandise.

SBA Lending

Secure financing backed by the Small Business Administration (SBA) that offers low down payments, easy qualification and competitive terms. Loan options are available to finance major purchases, enhance cash flow and refinance debt. 

Additional credit solutions by Ocean Financing®

Commercial Lending

Power short-term business objectives and long-term strategies with traditional commercial financing.


Global Trade Financing

Expand into new markets with advice and guidance from Ocean global trade financing experts.


Asset-Based Lending

Leverage the value of inventory, equipment and accounts receivable to strengthen cash flow.


Real Estate Financing

Access credit solutions that build real estate value and optimize your financial returns.


Loans subject to credit approval.