OptimumBank Holdings, Inc. has launched a limited-time owner-occupied commercial real estate financing promotion for the first quarter of 2026. The promotion offers qualified borrowers up to 80 percent loan-to-value at an interest rate of SOFR plus 2.67 percent with a one-quarter point origination fee. Applications must be completed and submitted by March 31, 2026. The initiative aims to support growing businesses seeking competitive financing solutions while reinforcing the bank's relationship-driven lending model and local decision-making approach.
This promotion represents a strategic effort to provide accessible capital to businesses during a specific timeframe, with terms designed to facilitate commercial property acquisition and expansion. The full details of the promotion can be viewed in the official press release available at https://ibn.fm/dRGV8. The timing of this promotion aligns with the bank's commitment to supporting economic development through responsible banking practices. By offering favorable terms for owner-occupied commercial properties, OptimumBank positions itself as a potential partner for businesses looking to secure their operational premises while managing financing costs effectively.
This financing initiative reflects the bank's broader business and financial solutions portfolio, which includes business banking, business lending, SBA lending solutions, treasury management, and personal banking services. The promotion's structure emphasizes the bank's service-oriented approach and competitive fee structure compared to larger financial institutions. The limited-time nature of the offer creates urgency for businesses considering commercial real estate financing in early 2026, while the specific terms provide transparency regarding costs and requirements.
This promotion represents a targeted approach to commercial lending that balances competitive rates with responsible lending practices. For investors seeking additional information about the company, the latest news and updates relating to OptimumBank Holdings are available in the company's newsroom at https://ibn.fm/OPHC. The bank's initiative demonstrates how regional financial institutions can create specialized programs to meet specific business needs during defined periods, offering an alternative to standardized financing options from larger national banks.
