GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
234
2010–2025
Total Volume
$158M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
234 total segments
Ocean Bank has a strong focus on 504 loans, with 82% of their SBA deals in this category. This makes them an excellent choice for borrowers seeking financing for real estate or equipment.
The average deal size at Ocean Bank is $674,892, with a significant number of deals (67) in the $150K-$350K range. If your financing needs fall within this bracket, Ocean Bank could be a suitable lender.
Ocean Bank's year-over-year growth trend shows a decline of 45%, indicating they may be tightening their lending criteria. This could make it more challenging for new borrowers to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 192 504 loans, which use fixed SBA debenture rates.
States where OCEAN BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Transportation & Warehousing
Transportation & Warehousing
Auto Dealers & Parts
Retail Trade
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for OCEAN BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Manufacturing · $500K – $1M | 504 | 7 | — | $625K | Q3 2023 |
| Florida · Specialty Trade Contractors · $500K – $1M | 504 | 6 | — | $691K | Q2 2022 |
| Florida · Wholesale Trade · $500K – $1M | 504 | 5 | — | $737K | Q1 2021 |
| Florida · Legal Services · $150K – $350K | 504 | 5 | — | $206K | Q2 2022 |
| Florida · Retail Trade · Under $150K | 504 | 5 | — | $95K | Q3 2021 |
| Florida · Auto Dealers & Parts · $350K – $500K | 504 | 5 | — | $416K | Q4 2022 |
| Florida · Administrative & Waste Services · $150K – $350K | 504 | 4 | — | $168K | Q4 2024 |
| Florida · Transportation & Warehousing · $150K – $350K | 504 | 4 | — | $238K | Q4 2023 |
| Florida · Wholesale Trade · $1M – $2M | 504 | 4 | — | $1.5M | Q3 2025 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 4 | — | $246K | Q2 2021 |
| Florida · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $172K | Q3 2022 |
| Florida · Manufacturing · $150K – $350K | 504 | 4 | — | $279K | Q4 2021 |
| Florida · Auto Repair & Maintenance · $500K – $1M | 504 | 3 | — | $660K | Q2 2024 |
| Florida · Transportation & Warehousing · $1M – $2M | 7(a) | 3 | P+3.00% | $1.6M | Q2 2024 |
| Florida · Wholesale Trade · Under $150K | 504 | 3 | — | $80K | Q4 2020 |
| Florida · Finance & Insurance · $150K – $350K | 504 | 3 | — | $230K | Q2 2020 |
| Florida · Other Repair & Services · $150K – $350K | 504 | 3 | — | $214K | Q2 2024 |
| Florida · Real Estate · $500K – $1M | 504 | 3 | — | $859K | Q4 2024 |
| Florida · Retail Trade · $150K – $350K | 504 | 3 | — | $214K | Q4 2023 |
| Florida · Retail Trade · $350K – $500K | 504 | 3 | — | $404K | Q1 2022 |
| Florida · Restaurants & Food Service · $350K – $500K | 504 | 3 | — | $462K | Q4 2024 |
| Florida · Wholesale Trade · $150K – $350K | 504 | 3 | — | $225K | Q4 2021 |
| Florida · Auto Dealers & Parts · $150K – $350K | 504 | 3 | — | $233K | Q3 2022 |
| Florida · Other Health Practitioners · $150K – $350K | 504 | 3 | — | $215K | Q3 2021 |
| Florida · Wholesale Trade · $350K – $500K | 504 | 3 | — | $462K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with OCEAN BANK.
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