Ocean Bank

The Local Anchor for Miami Real Estate

Ocean Bank is fundamentally woven into the culture of Miami. Completely bilingual and heavily relationship-driven, they're the preferred bank for multi-generational family development firms and mid-sized contractors that build South Florida's backbone.

Incredibly aggressive in A&D — if you're securing prime land in Hialeah or Homestead and funding horizontal infrastructure before going vertical, Ocean Bank has the appetite and local agility.

The ConstructionPerks Take

We think Ocean Bank is best for: Mid-market commercial developers, land developers, and growing GCs who value deep local relationships and fast, locally-approved financing.

One thing to think about is geographic reach. Their immense strength comes from hyper-focus on South Florida. If you're rapidly expanding into Georgia or the Carolinas, you may outgrow their regional footprint.

Frequently Asked Questions

Do you finance raw land acquisition in Miami-Dade?

Yes, Ocean Bank specializes in A&D loans, providing capital for land purchase and horizontal site improvements.

Can you finance a new warehouse for my construction business?

Absolutely. They are highly active in Owner-Occupied Commercial Real Estate loans for local trade businesses.

Are lending decisions made locally?

Yes, as an independent bank headquartered in Miami, all underwriting and approvals are executed locally.