OceanFirst Bank, National Association

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.

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.

The Toms River branch Loan Office is open Monday through Friday from 9:00 AM to 5:00 PM. Please confirm hours directly with OceanFirst Bank, National Association.

There are no fees to visit or consult; however, loan application and closing costs may apply depending on the financing arrangement.

This bank primarily serves small business clients across the country, regardless of residency, as long as they meet the loan eligibility criteria.

A minimum personal credit score of around 650 is generally preferred, but requirements may vary based on the specific loan and borrower profile.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

OceanFirst Bank's Toms River branch is closed Sunday and open Saturday 9:00 AM to 1:00 PM. Confirm with the bank for SBA lending staff weekend availability.

OceanFirst Bank, National Association is located in New Jersey — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for OceanFirst Bank, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by OceanFirst Bank, National Association itself, which runs its own lending under its own ownership. If you work at OceanFirst Bank, National Association, you can claim this listing from this page to manage it.

The core details for OceanFirst Bank, National Association — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with OceanFirst Bank, National Association before applying. If you represent OceanFirst Bank, National Association, claim this listing to keep its information up to date.

You can reach OceanFirst Bank, National Association at (888) 623-2633 ext. 27609 for the Toms River branch, or visit their contact form at oceanfirst.com/contact. Confirm with the bank for business lending inquiries.

Based on its approved SBA loans, OceanFirst Bank, National Association most often finances businesses in manufacturing, restaurants & food service, general retail, wholesale & distribution, medical practices & clinics, and construction & contractors. This reflects OceanFirst Bank, National Association's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with OceanFirst Bank, National Association which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether OceanFirst Bank, National Association participates in SBA Express depends on its specific SBA lending authority. Contact OceanFirst Bank, National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. OceanFirst Bank, National Association can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. OceanFirst Bank, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask OceanFirst Bank, National Association directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask OceanFirst Bank, National Association what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask OceanFirst Bank, National Association to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with OceanFirst Bank, National Association to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. OceanFirst Bank, National Association weighs this case by case under its own policy, so be upfront about your history and ask OceanFirst Bank, National Association how it evaluates prior bankruptcies.