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OceanFirst Bank, National Association

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with a variety of loan options. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. With a focus on personalized service, they assist businesses across multiple industries, helping them achieve growth and stability. Their SBA program expertise allows them to facilitate loans that align with your business goals, offering competitive terms and flexible options. Located in Toms River, NJ, they serve clients nationally, leveraging their extensive knowledge of SBA lending to deliver optimal results. From startups to established enterprises, this bank is committed to fostering small business success through accessible and reliable financing options.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
166
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs and small business financing solutions. You can find assistance with funding for expansion, equipment, real estate, and working capital, tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome depending on availability. Contact ahead to confirm the best time to meet with their lending specialists.
Question 3
What are the hours of operation?
Answer 3
Typically, their hours are Monday through Friday from 9:00 AM to 5:00 PM, but it"s best to check directly for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult; however, loan application and closing costs may apply depending on the financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business clients across the country, regardless of residency, as long as they meet the loan eligibility criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, but requirements may vary based on the specific loan and borrower profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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