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OceanFirst Bank has a new look, with the same great service you trust! Explore our updated site today. 

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Welcome to OceanFirst Bank's New Site!

Thanks for visiting! While our website has a fresh new look, all your personal and business banking tools are right here where you need them. Everything you count on is still just a click away.

Commercial Lending

Unlock Business Opportunity

For working capital, equipment financing, mortgages,
or to maximize your borrowing capacity for your commercial business,
turn to OceanFirst.

Speak with an OceanFirst Banker

Lending and loan options

Keep Moving Forward

Power short and long-term business objectives with flexible commercial financing options.

Borrow what you need via a revolving line of credit to access funds that support seasonal or short-term cash flow needs, like special projects, or uncovering unexpected expenses.

Features

  • Loan amount and terms structured to meet your needs
    • Seasonal Repayment Plans
    • Working Capital
    • Asset Based Lending
    • Inventory
  • Secured by business assets or real estate
  • Flexible repayment options
  • Monthly payment based on interest only with an annual clean-up period

Equipment financing helps you conserve capital, better manage budgets and cash flow, and remain current and competitive with up-to-date equipment. Businesses in the transportation, construction, manufacturing, energy, medical, information technology, and other industries can apply.

Features: 

  • 100% financing full equipment cost, plus soft costs for new and used equipment transactions from $25,000 up to $20M+
  • Application-only up to $250,000, with fast credit decisions and processing through the Equipment Finance portal
  • Faster speed to market with streamlined, efficient credit review and electronic documentation with DocuSign®
  • Master agreements for current and future CapEx needs from vendors the client chooses, consolidated into one monthly payment
  • A competitive suite of equipment lease and loan structures
  • Tenors from 24-84 months, with longer terms and amortizations considered
  • New or used essential use equipment types financed

Expand your operations by purchasing, building, or renovating the property your business requires with a convenient and custom-fit lending solution.

Features:

  • Commercial mortgages for refinancing, acquisition, construction, or refurbishment 
  • Owner-occupied and Investor-owned properties 
  • Great rates and flexible repayment schedules with amortization of up to 20 years

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to
find the one that works best for your business.

Features:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
Explore Credit Cards
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

Connect with Us

Whatever stage of your financial journey you’re on, we can assist.