Ocean Capital is a subsidiary of
a Federal Savings Bank with over
$250 million in assets. For over 25
years, we have been providing loans
and financing for hardworking business
people who own property.
Whether you or your client face
challenges with bad credit, difficulty
showing other income, or financing an
unconventional property type, we can
help. Through us, owners of gas stations,
convenience stores, hotels/motels, auto
repair shops and owners of many other
business types have secured the funding
they’ve needed – even after other banks
have passed them over.
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Ocean Capital caters to non-conventional borrowers who often have been
overlooked by other financial institutions. While other lenders rely solely on strict underwriting guidelines to approve loans, Ocean Capital takes individual circumstances into consideration. We can help borrowers with FICO scores as low as 500, those in need of 85% financing, and even those in need of lower than usual debt-service coverage minimums.
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Borrowers want rapid financing. Our streamlined one-step process offers the most efficient execution available. At Ocean Capital, we work with our clients through every stage of the process to ensure that loans are processed in a fast and seamless manner. Your one easy step is submitting an application, and we take care of the rest.
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Ocean Capital has been lending to small business owners since 1981. We know the best ways to structure deals and close transactions. We offer commercial real estate advice that less experienced firms often overlook.
