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OptimumBank Launches Q1 2026 Owner-Occupied CRE Financing Promotion

OptimumBank launches Q1 2026 owner-occupied CRE financing promotion with SOFR plus 2.67% rates and 80% LTV for qualified business borrowers seeking competitive commercial real estate loans.

This financing promotion matters because it directly addresses a critical need for small and mid-sized businesses that own their commercial properties. In an economic environment where interest rates and financing costs remain significant concerns for business owners, OptimumBank's offer of SOFR plus 2.67% represents a competitive rate that could save businesses thousands of dollars in interest payments. For companies looking to purchase new facilities or refinance existing properties, the 80% loan-to-value ratio provides substantial leverage while maintaining reasonable equity requirements. This type of targeted financing program demonstrates how community banks can offer more flexible and personalized solutions than larger financial institutions, potentially helping local businesses grow and stabilize their operations. The timing for Q1 2026 gives businesses ample opportunity to plan their real estate strategies, whether for expansion, consolidation, or cost optimization. As commercial real estate remains a significant expense for most businesses, accessible financing options like this can directly impact operational costs, cash flow management, and long-term business sustainability.