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

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Loans

International Personal and Business Loans

Financing for your global world

Private, personalized service every step of the way

Loan solutions designed with international customers in mind

 

Adjustable-Rate Loans

Choose from 1-, 3-, 5- or 7-year terms to meet your budget.

Build or Purchase a Home

Envision your dream or move right in.

Explore Refinancing

Save more by paying off your mortgage early or lowering your monthly payment.

Flexible Terms

Plan your budget with rates and terms that fit your unique situation.

Professional Recommendations

Borrow the right amount for your financial position and investment goals.

Maximize Market Opportunities

Enter attractive real estate markets when the timing is just right.

Guarantee Payment

Assure sellers they will get paid for goods and services you purchase.

Capitalize on Opportunities

Lock in attractive pricing.

Keep Moving Projects Forward

Buy materials for home improvements, upgrades or another project.

Get Started

No minimum loan amount required.

Plan Ahead

Lock in a fixed rate with a set repayment amount.

Choices, Choices

Loans available for new or used vehicles and boats.

Up to 100%

Borrow up to 100% of the value of your pledged account.

Preserve Cash

Use loan funds for just about anything you want or need without tapping into your savings.

Fixed Rates

Plan your budget with a payment amount that stays the same.

Lines of Credit

Get access to working capital when you need it.

Term Loans

Pay for materials, fixed assets and other large purchases.

Equipment Financing

Finance up to 100% of the cost without depleting cash reserves.

Pre- and Post- Export Financing

Expand your international trade business with financing that supports strong cash flow.

Letters of Credit

Use funds to manufacture or purchase products for export, or guarantee payment to sellers of imported goods.

Foreign Exchange Services

Send payments to international vendors in foreign currencies or hedge foreign currency.

Documentary Collections

Bank-to-bank documentation processing reduces your administrative burden and mitigates risk.

Ex-Im Bank Lending

Increase your borrowing power with financing to grow your export business.

Ocean Factoring®

Get immediate cash for receivables.

Asset-Based Lending

Expand your international trade business with financing that supports strong cash flow.

Personal and business lending… personalized

Simple Applications

Low documentation programs designed to make it easy and convenient to get access to funds.

Digital Payments

Schedule payments anytime using Online Banking and the mobile app.

Online Access

View loan balance, payment history, payments due and more on your computer, phone or tablet.

Ready to talk about financing solutions?

Set up a time to meet with an expert.

Schedule now

An Ocean branch is always nearby

Stop by or schedule a visit

Start now

¹ Home Loans. Property must be located in the state of Florida.

2 Real Estate Investment Loans. Property must be located in the state of Florida.

Loans and credit cards are subject to credit approval.