Curated News
By: NewsRamp Editorial Staff
January 26, 2026
OptimumBank Launches Q1 2026 Owner-Occupied CRE Financing Promotion
TLDR
- OptimumBank's limited-time promotion offers small businesses a financing edge with SOFR plus 2.67% interest and up to 80% LTV for owner-occupied CRE purchases or refinancing.
- The program provides qualified borrowers financing at SOFR plus 2.67% with a 0.25% origination fee and up to 80% loan-to-value for owner-occupied properties.
- This community-focused initiative supports local businesses through accessible financing, fostering economic growth and personalized service that strengthens neighborhoods and owner-occupied property stability.
- OptimumBank's Q1 2026 promotion introduces a rare opportunity for businesses to secure favorable CRE financing terms through a disciplined, relationship-driven lending model.
Impact - Why it Matters
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.
Summary
OptimumBank Holdings (NYSE American: OPHC), a Florida-based community and business bank, has launched a targeted financing promotion for the first quarter of 2026, specifically designed for small and mid-sized businesses. The limited-time offer provides owner-occupied commercial real estate (CRE) financing with competitive terms, including promotional pricing set at SOFR plus 2.67% with a one-quarter point origination fee. This program allows qualified borrowers to secure financing up to 80% loan-to-value, making property acquisition or refinancing more accessible for business owners who occupy their commercial spaces.
The announcement, made on January 9, highlights OptimumBank's disciplined, relationship-driven lending model and its business-owner-focused approach. By offering this promotion, the bank reinforces its position as a community-focused institution built around personalized service and local decision-making. The program is strategically timed to address the financing needs of businesses looking to optimize their real estate holdings as they plan for the coming year. For those seeking more detailed information about this financing opportunity, additional coverage is available through the InvestorBrandNetwork, which provides comprehensive financial news and updates.
InvestorWire, the specialized communications platform that distributed this news, operates as part of the Dynamic Brand Portfolio within IBN (InvestorBrandNetwork). This platform offers advanced wire-grade press release syndication for both private and public companies, ensuring broad distribution through various channels including editorial syndication to over 5,000 outlets, enhanced press release features, and social media distribution to millions of followers. The latest news and updates relating to OptimumBank Holdings (OPHC) remain available in the company's dedicated newsroom, providing ongoing access to investor-focused information and corporate communications.
Source Statement
This curated news summary relied on content disributed by InvestorBrandNetwork (IBN). Read the original source here, OptimumBank Launches Q1 2026 Owner-Occupied CRE Financing Promotion
