When Your Business
Needs Fast Access to Funds

Up to $50,000* Unsecured Line of Credit

• Apply online 24/7
• Speedy Approval Process
• Get an Immediate Response
• Fast Access to Funds
• Flexible Terms & Options
• Dedicated Community Banking Team
• Local Decision Making
• Transparent Pricing
  
  

Up to $250,000* Secured Line of Credit, Term Loan, or Mortgage Option

• Apply online 24/7
• Speedy Approval Process
• Get a Quick Response
• Fast Access to Funds
• Flexible Terms & Options
• Dedicated Community Banking Team
• Local Decision Making
• Transparent Pricing

*Subject to credit approval with submission of all completed documents. Credit decisions for the unsecured line of credit may take up to 1 business day, and credit decisions for the secured loan or line of credit may take up to 2 business days upon receiving all completed documents. Payments must be auto-debited from an OceanFirst Bank business operating account. During the term of the Loan, Borrower shall maintain its primary operating account with Lender and maintain an average monthly balance equal to not less than twenty percent (20%) of the outstanding principal balance of the Loan (the “Minimum Balance”). Failure to maintain the Minimum Balance will result in a 5.00 percentage point increase to your interest rate until such Minimum Balance is in compliance. Additional terms and conditions apply. 

When you need a line of credit or term loan, you want lenders who walk the line. Partner with the team doing just that for over 120 years.

Features: 

• Loan amount and terms structured to meet your needs
  • Seasonal Repayment Plans
  • Working Capital
  • Inventory

• Secured and Unsecured financing available
• Flexible repayment options
• Lines of Credit include monthly payment based on interest only with annual clean-up period

Build your business with a team of community bankers who can help you find the most appropriate loan.

• 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 $10,000 up to $1,250,000

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.

No Matter which card you choose, your business with benefit from important features like:

• 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.