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Small Business lending

Business As Usual

Local businesses can expect transparent pricing, fast access to funds with tailored lending solutions designed to give your business a boost.

  • Local bankers that are ready to help you achieve your specific goals
  • Decisions in 48-hours for small business loan applications1

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We'll steer you in the right direction with competitive rates and customized lending solutions that make good business sense.

Real Estate & Construction

When you get the opportunity to build your business, go ahead. Open the door. And, then come knocking on ours. We’re with you every step of the way.


  • We have a variety of Commercial Mortgages for all business real estate needs
    • Refinancing
    • Acquisition
    • Construction
    • Refurbishment
  • Commercial Real Estate for both owner occupied and investment properties are acceptable.
  • Great rates and flexible repayment schedules with amortization up to 20 years.

Equipment Finance & Leasing

Need heavy equipment? Let us do the heavy lifting. We have the proper resources to help start your engines, and then help start just about anything else while we're at it.


At OceanFirst Bank, we know growing a business takes hard work, dedication, and the capital equipment to keep your business productive, efficient, and competitive within your industry.



Lines of Credit

When you need a line of credit you want lenders who walk the line. Partner with the team who've been doing just that for over 115 years.


  • Loans 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 annual clean-up period

Community Banking

Our local Bankers are in the community and ready to help build your small business with commercial loans tailored to support your needs.


  • Owner Occupied Real Estate Transactions up to $1,250,000
  • Investment Real Estate Loans up to $1,250,000
  • Term Loans and Lines of Credit $5,000 up to $1,250,000
  • Decisions in 48-hours for small business loan applications1

Here's what you need to apply

148-hour decision is only for complete small business applications submitted using

Business Lending Team

Let's face it, people buy from people they trust. That's why we offer the personal and professional integrity we'd demand for our own business. Let us create the right loan package for yours.

Let us help you

For more information about OceanFirst products and services, please e-mail us your questions, visit your local branch, or give us a call at 1-888-623-2633.