Commercial Lending

Ocean Blue Lending now offers commercial and investment loans in most states!

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Low-angle view of a modern curved glass building against a blue sky with scattered clouds.
Modern office corridor with glass walls, black metal frames, ceiling lights, and a lounge area visible through the glass.
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Commercial Loan Types

For a myriad of commercial lending needs, Ocean Blue Lending can assist in finding the right loan for your debt.

  • Looking to start or expand a retail business? We are here to help find the right location and space.

    • Factory Outlet

    • Mall Regional

    • Mall Super Regional

    • Neighborhood Center

    • Grocery

    • Power Center

    • Retail Shadow Anchored

    • Retail Single Tenant

    • Unanchored Retail Strip

    • Apartment Building CO-OP

    • Apartment Building Condo

    • Apartment Building Garden

    • Apartment Building Mid-High

    • Rise Apartment Building Townhomes

    • Mixed Use Senior House / 55+ Community

    • Special Use Military

    • Special Use Student

    • Flagged / Unflagged Conversion

    • Flagged / Unflagged Full Service

    • Flagged / Unflagged Limited Service

    • Flagged / Unflagged Suite / Extended Stay

    • Assisted Living Facility

    • Hospital

    • Inpatient Facility

    • Outpatient Facility

    • Skilled Nursing (Memory Care)

    • Flex Space / R&D

    • Manufacturing Heavy Industrial

    • Manufacturing Light Industrial

    • Warehouse Bulk District

    • Warehouse Cold District

  • For business purposes we can help find the space that is right for you.

    • CMD Central Business District

    • Medical Office

    • Mixed Use (Office / Retail)

    • Office Single Tenant

    • Suburban Garden Office

    • Suburban High Rise

  • We can provide lending for nearly any commercial need and special use including:

    • Auto Body / Service & Repair

    • Auto Dealership

    • Bars / Nightclubs

    • Bowling Alley

    • Business Expansion

    • C-Store

    • Campground

    • Car Wash

    • Daycare Facility

    • Development (experience required)

    • Franchise Restaurant

    • Non-Franchise Restaurant

    • Funeral Home

    • Gas Station

    • Golf Course

    • Ground Up Construction (experience required)

    • Marina

    • Movie Theater

    • Renovation / Rehab (experience required)

    • Single Family Home Portfolio

    • Self Storage

    • Short-Term Rental / AirBnB

    • Mobile Home Parks

Commercial Market Rates

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The Commercial Lending Process

Empty conference room with a long wooden table and ten white chairs, five on each side, against a plain white wall with a radiator at the bottom. There is a water bottle, a notebook, and some electronic devices on the table.

There are many steps in the commercial lending process but we handle most of them for you.

What information is needed?

Once your loan application has gone through a screening process, an underwriter will review the application to make a decision to approve or ask us for more information.

Here are some of the items that lenders may take into consideration:

  • The business’ monthly and annual revenue

  • Your personal credit score

  • Collateral

  • Other sources of repayment

  • Personal equity

  • P&L

  • Personal Financial Statement

  • Your business’ debt service coverage ratio

  • Your debt-to-asset ratio

  • Your loan-to-value ratio

  • Your net-worth-to-loan-size ratio

Close on Time, Every Time.

Ocean Blue Lending is here when your business needs it. Whether you are expanding, looking for new space or a start up, we with take care of you throughout the process. Our transparent approach will leave you feeling confident throughout the process while we deliver an on-time closing. Your business is important to us.