SBA lending by metro area
SBA lenders in Ocean Pines, MD
Which lenders fund Ocean Pines-area businesses, how much, and how the market compares with Maryland: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Ocean Pines area
Ranked by SBA volume funded to businesses located in the Ocean Pines micropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Chesapeake Business Finance Corporation | 7 | $15.0M | $2.1M | not reported |
| 2 | First Financial Bank | 5 | $8.0M | $1.6M | not reported |
| 3 | Manufacturers and Traders Trust Company | 47 | $7.3M | $156K | 2.13% |
| 4 | Live Oak Banking Company | 5 | $7.0M | $1.4M | not reported |
| 5 | Wilmington Savings Fund Society FSB | 6 | $2.9M | $485K | not reported |
| 6 | Readycap Lending, LLC | 5 | $2.2M | $443K | not reported |
| 7 | Newtek Small Business Finance, Inc. | 5 | $1.7M | $342K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Ocean Pines compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Ocean Pines area | $150K ▲ 4.2% | 8.9% ▲ 3.6 pts |
| Maryland | $144K | 5.2% |
| United States | $179K | 11.2% |
What gets funded in Ocean Pines
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 28 | $26.7M |
| Agriculture, Forestry, Fishing | 11 | $14.3M |
| Retail Trade | 14 | $6.9M |
| Health Care and Social Assistance | 14 | $6.5M |
| Arts, Entertainment, Recreation | 9 | $2.6M |
| Wholesale Trade | 8 | $1.9M |
| Other Services | 9 | $1.5M |
| Transportation and Warehousing | 12 | $970K |
SBA lending in Ocean Pines by year
Geography, precisely
"Ocean Pines area" here means the Ocean Pines, MD micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Worcester County, MD. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.