Michael Schwartz has recently joined Ocean Capital, the commercial lending division of Home Loan Investment Bank, FSB. Schwartz is a business development officer and he will cover New York, specifically Long Island. His office is located on 410 East Main St. Schwartz has been engaged in small business lending for the past 25 years, specializing in office and industrial condos. He has expertise in the U.S. Small Business Administration loan programs, directed to providing capital for commercial real estate, to small business owners nationwide. Prior to Ocean Capital, Schwartz has worked for Zions Bank, Comercia Bank and Lehman Brothers as vice president for business development. He is a graduate of Columbia College and has earned a CCIM designation. Ocean Capital is a commercial mortgage lender that has been providing innovative financing solutions to the small business community since 1981. As a preferred lender with the SBA, Ocean Capital specializes in funding owner-occupied small businesses.