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OceanFirst Bank, National Association

Listed
Bank for business lines of credit and term loansToms River, New JerseyBased in New Jersey; service area not yet provided
BBLL 000849Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

OceanFirst’s small-business lending has a material deposit requirement: its advertised quick-access offers require operating-account balances tied to the borrowing. Falling below that balance can increase the rate by five percentage points.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Business lines of creditTerm loansCommercial real estate loans
From the lender's own site and public records.

A second look at OceanFirst Bank, National Association

OceanFirst’s small-business lending has a material deposit requirement: its advertised quick-access offers require operating-account balances tied to the borrowing. Falling below that balance can increase the rate by five percentage points.

Bank directly offering business loans and credit lines.

Published by Levr, not by OceanFirst Bank, National Association. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Small-business offers

Amounts
Advertised quick-access limits: $50,000 unsecured line; $250,000 secured line, term loan or mortgage option.
Account requirement
Payments must be automatically debited from an OceanFirst business operating account.
Required balances
Before disbursement, maintain 20% of committed line amount; afterward, minimum average monthly collected balance is 20% of outstanding loan principal.
Balance shortfall
The page states a five-percentage-point rate increase until the minimum balance requirement is met.

Provider sources: Small-business lending and footnotes

Application documents

Larger requests
Above $250,000: personal financial statement, debt schedule and two years of personal and business tax returns.
Statement freshness
Personal financial statements: within 16 months for existing relationships and 12 months for new borrowers.

Provider sources: Published documentation checklist

When it may fit

Our assessment of the published programs

  • Businesses that can maintain the required deposit relationship while borrowing.

What to weigh carefully

  • Include the required deposit balance when comparing usable cash and cost.
  • Published decision or closing estimates are conditional; the product-page footnotes require complete documents and approval.

Questions before you accept an offer

  1. How much cash must remain in the account at closing and each month?
  2. How is the balance-related rate increase calculated and reversed?
  3. What fees, principal payments and renewal conditions apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Wilmington Savings Fund Society, FSB

Compare WSFS conventional lines and SBA options.

Rockland Trust Company

Compare Rockland secured and unsecured credit limits.

The lender

Type
Bank
Legal name
OceanFirst Bank, National Association
Founded
1902
Charter
Not yet provided Add it
Headquarters
Toms River, New Jersey
Service area
Based in New Jersey; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
oceanfirst.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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