Curated News
By: NewsRamp Editorial Staff
January 09, 2026
OptimumBank Launches 2026 Commercial Real Estate Financing Promotion
TLDR
- OptimumBank's promotion offers up to 80% LTV at SOFR plus 2.67%, giving businesses a financing edge for commercial real estate until March 31, 2026.
- The promotion provides qualified borrowers with owner-occupied commercial real estate loans at SOFR plus 2.67% with a 1/4 point origination fee, requiring application by March 31, 2026.
- OptimumBank's initiative supports growing businesses and local economic development through relationship-driven lending and community partnerships.
- A Florida bank founded in 2000 is offering a limited-time commercial real estate financing deal with competitive rates for qualified borrowers.
Impact - Why it Matters
This announcement matters because it provides small and medium-sized business owners with access to competitive commercial real estate financing at a time when many traditional lenders have tightened credit standards. For entrepreneurs and growing companies, securing affordable capital for property acquisition or expansion can be challenging, particularly with rising interest rates. OptimumBank's promotion offers favorable loan-to-value ratios and transparent pricing (SOFR plus 2.67%), which could enable businesses to invest in their physical infrastructure without excessive financial strain. This type of community-focused lending supports local economic development by helping businesses establish or expand their physical presence, potentially creating jobs and strengthening neighborhood commercial corridors. In an era where many regional banks have been acquired by larger institutions, OptimumBank's emphasis on local decision-making and relationship-driven lending represents an important alternative for business owners who value personalized service and community connection over impersonal, algorithm-driven banking.
Summary
OptimumBank Holdings (NYSE American: OPHC), a Florida-based community bank founded in 2000, has announced a strategic financing initiative aimed at supporting local business growth. The bank is launching a limited-time promotion for owner-occupied commercial real estate financing during the first quarter of 2026, offering qualified borrowers highly competitive terms including up to 80 percent loan-to-value ratios at an interest rate of SOFR plus 2.67 percent with a modest one-quarter point origination fee. This promotion specifically targets growing businesses seeking affordable capital solutions and reinforces OptimumBank's commitment to relationship-driven lending with local decision-making authority, distinguishing it from larger financial institutions that often lack this personalized approach.
The promotion, which requires applications to be completed and submitted by March 31, 2026, represents a significant opportunity for business owners looking to acquire or refinance commercial properties they occupy. OptimumBank's business model emphasizes strong service orientation with reasonable fees, a characteristic the bank notes is "unseen at larger financial institutions." The bank offers comprehensive financial solutions including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking, all supported by their commitment to economic development through responsible banking and community partnerships. For those interested in learning more details about this financing opportunity, the full press release is available through the InvestorBrandNetwork, which provides advanced wire-grade press release syndication as part of their Dynamic Brand Portfolio.
The news release was distributed through InvestorWire ("IW"), a specialized communications platform within the InvestorBrandNetwork that delivers extensive market reach through wire solutions, article and editorial syndication to over 5,000 outlets, enhanced press release features, social media distribution to millions of followers, and tailored corporate communications solutions. InvestorWire's broad reach and seasoned team help companies like OptimumBank cut through information overload to achieve unparalleled recognition and brand awareness. Additional information about OptimumBank Holdings and updates relating to OPHC are available in the company's newsroom, while those interested in InvestorWire's services can visit their website to learn more about their comprehensive communications solutions.
Source Statement
This curated news summary relied on content disributed by InvestorBrandNetwork (IBN). Read the original source here, OptimumBank Launches 2026 Commercial Real Estate Financing Promotion
