OptimumBank Holdings, Inc. (NYSE American: OPHC) has announced 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 is designed 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 move by OptimumBank to provide accessible capital to business owners looking to acquire or refinance commercial properties they occupy for their operations.
For businesses considering expansion or property acquisition, this financing offer could significantly reduce capital requirements while providing predictable financing costs tied to the Secured Overnight Financing Rate (SOFR). The 80 percent loan-to-value ratio represents a substantial financing opportunity that may enable businesses to preserve working capital for other operational needs.
The timing of this promotion, spanning the first quarter of 2026, provides businesses with a clear window for planning and application submission. The structured timeline allows companies to align their financing strategies with annual business planning cycles while taking advantage of the promotional terms.
This announcement follows the bank's established commitment to supporting economic development through responsible banking practices. OptimumBank's approach emphasizes personalized service and local decision-making, distinguishing it from larger financial institutions that may lack the same level of community focus.
For investors and stakeholders following the company's developments, additional information about OptimumBank Holdings is available through the company's newsroom at https://ibn.fm/OPHC. The press release announcing this promotion can be viewed in its entirety at https://ibn.fm/dRGV8.
The commercial real estate financing landscape continues to evolve, with regional banks like OptimumBank playing a crucial role in providing tailored solutions to local businesses. This promotion demonstrates how community-focused financial institutions can create targeted offerings that address specific market needs while maintaining responsible lending standards.
Business owners evaluating commercial property financing options for 2026 should consider this promotion as part of their financial planning. The combination of competitive rates, high loan-to-value ratio, and relationship-focused service represents a compelling option for qualifying businesses seeking to optimize their real estate financing strategies.
