Ocean Drive Funding Underwriting Approval Requirements

Ocean Drive Funding can get you working capital today if you fit the following criteria:


Your revenue is greater than $10,000 monthly or $120,000 annually based on your past and current numbers


For the last four (4) months or more, your gross revenue has been stable and consistent with no major decreases


Your business has been open for a minimum of (3) months and has a positive banking history with fewer than 9 NSFs

Business Funding Loan Calculator

10 Months




Loan Calculator is based on Ocean Drive Funding’s “Business Capital Funding” product which is based on 21 equal daily payments per month on the debt service. All other Ocean Drive Funding Products/Loans have different rates, terms and variables.

Please visit the funding options page if you are interested to learn more or Apply Now!

Simple Three Step Application Process

Apply Now Online or Download the PDF and Have an Answer in Just Hours!

STEP ONE: Apply Online Now

You may click here to APPLY NOW and Step One – Step Three of your capital funding process will be completed in moments.  A member of our team at Ocean Drive Funding will contact you right away to discuss options and get the ball rolling.

Please feel free to download the PDF for printing in which case you may sign and email back to underwriting@oceandrivefunding.com or call at (954) 459-4585

STEP TWO: Underwriting (4 – 6 hours)

After submitting your application and bank statements or merchant account statements, our Underwriting Department will process your application and determine if there are any additional items we may need to push the buttons and get your rate lowered or your term lengthened.

In some cases additional requests may include but not be limited to recent business tax returns, articles or incorporation or organization, voided business check, etc.

STEP THREE: Sign and Fund!

Once the terms are set in stone and the rates are locked in, we will send you an agreement to review and sign.  After you send the executed agreement back to us via email or fax, our Funding Department will contact you to verify your identity which takes about 5 minutes.

After the verification is complete they will submit your Business Capital Funding ACH or Bank Wire which will hit your account within 24 to 48 hours and be available right away to spend!

You’re one step closer to getting funded!

What do Ocean Drive Funding’s clients have to say?

“Ocean Drive Funding is really something else. I do NOT have the best credit but my business was steady. They looked at my numbers, got me into a perfect funding model and we literally had the wire in our account in 48 hours. I purchased two NEW carpet cleaning vans with steam systems and we have increased business by 30% in the last 4 months. Forget the bank, Ocean Drive Funding is all we need!”
Danny B., Carpet Cleaning Franchisee, Denver
“We took on a big job last summer, 2 Sisters getting married on the same day each with 10 bridesmaids! I collected a 50% deposit up front but needed some additional funds to finish some custom work before I could deliver the dresses and collect the remaining 50%. Ocean Drive Funding got me the funds in literally one day!”
Melissa K., Custom Wedding Dress Shop, Raleigh