Lender record

OptimumBank

The real lending record — every figure from funded deals. HQ: 2929 E Commercial Blvd, Fort Lauderdale, FL. 4 branches.

Recent deals (FY20+)

$877K

Typical deal

37 days

Approval → funding

Where OptimumBank lends

Deals OptimumBank funded — list all 41 as text

Gurukirpa Manufacturing Company, LLC — Vero Beach · $5.0M · FY2026 · Ice Manufacturing
Aston Holdings, Inc. — West Palm Beach · $2.6M · FY2026 · Offices of Physicians (except Mental Health Specialists)
Glassify Pet Supplies Inc. — Amarillo · $1.3M · FY2026 · Pet and Pet Supplies Retailers
2201 Garage LLC — Saint Augustine · $970K · FY2026 · General Automotive Repair
Stewardship Team, LLC — Orange Park · $905K · FY2026 · Janitorial Services
J&T FL, LLC — Winter Springs · $365K · FY2026 · Limited-Service Restaurants
Heatherly Enterprises, LLC — Aubrey · $300K · FY2026 · Other Building Finishing Contractors
Scooter's Coffee — Altoona · $2.8M · FY2025 · Limited-Service Restaurants
Purpose Ventures, Inc. — Atlantic Beach · $2.6M · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
Commercial Interior Systems, Inc. — Boca Raton · $1.3M · FY2025 · Other Building Finishing Contractors
JP Col3 LLC — Fargo · $980K · FY2025 · Limited-Service Restaurants
Pneuma Behavioral Health Holdings, LLC — Charlotte · $687K · FY2025 · Offices of Other Holding Companies
Good Musicians — Pembroke Pines · $680K · FY2025 · Agents and Managers for Artists, Athletes, Entertainers, and
Ziggi's Coffee — Jasper · $600K · FY2025 · Snack and Nonalcoholic Beverage Bars
Ideal Nutrition — Tampa · $492K · FY2025 · Limited-Service Restaurants
Delray Watch Supply, LLC — Hallandale Beach · $490K · FY2025 · Jewelry Retailers
G.S. MONTEIRO, P.L.L.C. — Miami · $300K · FY2025 · Offices of Lawyers
SHINING STEPS ABA LLC — Chicago · $277K · FY2025 · Offices of Mental Health Practitioners (except Physicians)
RIKO'S — Burlington · $218K · FY2025 · Full-Service Restaurants
Calizo Condiments, LLC — Fort Pierce · $150K · FY2025 · Dried and Dehydrated Food Manufacturing
Party King Miami Inc — Hollywood · $150K · FY2025 · All Other Miscellaneous Retailers
Color Pro Auto Paint, Inc. — Miami · $150K · FY2025 · Paint and Coating Manufacturing
PONCE PFT AND MEDICAL SERVICES, INC. — Miami · $150K · FY2025 · Medical, Dental, and Hospital Equipment and Supplies Merchan
Almotti — Miami · $146K · FY2025 · Cookie and Cracker Manufacturing
Launch Family Entertainment - Clearwater — Clearwater · $5.0M · FY2024 · All Other Amusement and Recreation Industries
Capital Air Balance, Inc. — Terry · $3.2M · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
Scooter's Coffee — Orlando · $1.4M · FY2024 · Snack and Nonalcoholic Beverage Bars
Scooter's Coffee — Avon Park · $1.4M · FY2024 · Snack and Nonalcoholic Beverage Bars
Scooter's Coffee — Holiday · $1.3M · FY2024 · Snack and Nonalcoholic Beverage Bars
Julio C. De Los Rios, D.M.D., P.A. — Boynton Beach · $1.2M · FY2024 · Offices of Dentists
Vinevida — Davie · $1.0M · FY2024 · All Other Miscellaneous Retailers
Crust Pizza Co — Katy · $1.0M · FY2024 · Full-Service Restaurants
Crust Pizza — College Station · $932K · FY2024 · Full-Service Restaurants
Split Rock Partners LLC — Burlington · $877K · FY2024 · Full-Service Restaurants
SoFresh — Jacksonville · $585K · FY2024 · Limited-Service Restaurants
Yolo Holdings, LLC — Fort Lauderdale · $325K · FY2024 · All Other Professional, Scientific, and Technical Services
Sexallogy, LLC — Saint Augustine · $193K · FY2024 · Offices of Mental Health Practitioners (except Physicians)
Good Musicians — Pembroke Pines · $159K · FY2024 · Agents and Managers for Artists, Athletes, Entertainers, and
Calizo Condiments, LLC — Fort Pierce · $150K · FY2024 · Dried and Dehydrated Food Manufacturing
Delray Watch Supply, LLC — Hallandale Beach · $1.6M · FY2023 · Jewelry Retailers
ACE HANDYMAN SERVICES THE VILLAGES — Tampa · $300K · FY2023 · Other Personal and Household Goods Repair and Maintenance

Deal profile

Most OptimumBank deals land between $300K and $1.3M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Limited-Service Restaurants (5)
2.Snack and Nonalcoholic Beverage Bars (4)
3.Full-Service Restaurants (4)
4.Other Building Finishing Contractors (2)
5.Plumbing, Heating, and Air-Conditioning Contractors (2)
6.Agents and Managers for Artists, Athletes, Entertainers, and (2)
7.Jewelry Retailers (2)
8.Offices of Mental Health Practitioners (except Physicians) (2)

Most active states

1.Florida (29 deals)
2.Texas (4 deals)
3.Illinois (2 deals)
4.Vermont (2 deals)
5.Iowa (1 deals)
6.North Dakota (1 deals)
7.North Carolina (1 deals)
8.Indiana (1 deals)
9.Mississippi (1 deals)

Franchises they finance most

Scooter's Coffee

4 deals

SoFresh

2 deals

Ziggi's Coffee

2 deals

Riko's Pizza

2 deals

Crust Pizza Co.

2 deals

Can OptimumBank fund you? The bank behind the loans

Total assets

$1.3B

▲ 14.1% vs prior quarter

Deposits on hand

$1.1B

▲ 17.2% vs prior quarter

Loans outstanding

$1.1B

▲ 13.9% vs prior quarter

Net income (latest qtr)

$5.1M

•An active SBA program (~1.8% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes OptimumBank more SBA-focused than 86% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 1.7% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Walk into a OptimumBank branch (4)

OptimumbankMain office2929 E Commercial BlvdFort Lauderdale, FL 33308 · since 2000

Ft Lauderdale Branch2929 E Commercial Blvd Suite 101 And 301Fort Lauderdale, FL 33308 · since 2003

Deerfield Beach Branch2201 W Hillsboro BlvdDeerfield Beach, FL 33442 · since 2004

North Miami Beach Branch757 Ne 167th StreetNorth Miami Beach, FL 33162 · since 2024

Branch data: FDIC BankFind.

Recent deals

Freeport Real Property, LLC in Lakewood, IL — $5.0M (2026) · purchase · Nursing Care Facilities (Skilled Nursing Facilities)
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
69
Business age
Change of Ownership
Industry
Nursing Care Facilities (Skilled Nursing Facilities)
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$44,557
Annual debt service
$535K
Cash flow needed (1.25×)
$668K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Gurukirpa Manufacturing Company, LLC in Vero Beach, FL — $5.0M (2026) · Ice Manufacturing
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
306 months
SBA guaranteed
$3.8M (75%)
Approval → funding
12 days
Approved
11/13/2025
First disbursed
11/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
New Business or 2 years or less
Industry
Ice Manufacturing
Your business? Claim this record · Request removal
Aston Holdings, Inc. in West Palm Beach, FL — $2.6M (2026) · purchase · Offices of Physicians (except Mental Health Specialists)
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
37 days
Approved
11/16/2025
First disbursed
12/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Offices of Physicians (except Mental Health Specialists)
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$294K
Est. cash at closing
$406K
Monthly payment
$27,672
Annual debt service
$332K
Cash flow needed (1.25×)
$415K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Glassify Pet Supplies Inc. in Amarillo, TX — $1.3M (2026) · purchase · Pet and Pet Supplies Retailers
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$954K (75%)
Approved
1/16/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Pet Supplies Plus
Jobs supported
16
Business age
Change of Ownership
Industry
Pet and Pet Supplies Retailers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$141K
Est. cash at closing
$194K
Monthly payment
$16,459
Annual debt service
$198K
Cash flow needed (1.25×)
$247K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
2201 Garage LLC in Saint Augustine, FL — $970K (2026) · purchase · General Automotive Repair
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
204 mo (17 yrs)
SBA guaranteed
$728K (75%)
Approved
3/31/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$108K
Est. cash at closing
$148K
Monthly payment
$9,753
Annual debt service
$117K
Cash flow needed (1.25×)
$146K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Stewardship Team, LLC in Orange Park, FL — $905K (2026) · purchase · Janitorial Services
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
164 months
SBA guaranteed
$679K (75%)
Approved
3/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Fish Window Cleaning Services
Jobs supported
40
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$9,874
Annual debt service
$118K
Cash flow needed (1.25×)
$148K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
J&T FL, LLC in Winter Springs, FL — $365K (2026) · Limited-Service Restaurants
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
123 months
SBA guaranteed
$274K (75%)
Approved
1/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
SoFresh
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Your business? Claim this record · Request removal
Heatherly Enterprises, LLC in Aubrey, TX — $300K (2026) · Other Building Finishing Contractors
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
57 days
Approved
12/2/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Surface Experts
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Building Finishing Contractors
Your business? Claim this record · Request removal
Scooter's Coffee in Altoona, IA — $2.8M (2025) · purchase · Limited-Service Restaurants
Program
7a General
Rate at approval
10.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
137 days
Approved
12/13/2024
First disbursed
4/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Franchise
Scooter's Coffee
Jobs supported
22
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$306K
Est. cash at closing
$422K
Monthly payment
$25,974
Annual debt service
$312K
Cash flow needed (1.25×)
$390K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Purpose Ventures, Inc. in Atlantic Beach, FL — $2.6M (2025) · purchase · Plumbing, Heating, and Air-Conditioning Contractors
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
49 days
Approved
9/15/2025
First disbursed
11/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$284K
Est. cash at closing
$392K
Monthly payment
$33,765
Annual debt service
$405K
Cash flow needed (1.25×)
$506K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
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Businesses OptimumBank financed

37 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with OptimumBank.

Agent summary

This page summarizes OptimumBank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

42 SBA 7(a) loans on record
$877K typical deal
12 business-acquisition loans
HQ: 2929 E Commercial Blvd, Fort Lauderdale, FL
4 FDIC branch locations
FDIC total assets $1.3B

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/optimumbank
API:: https://www.capbench.com/api/public/lenders/optimumbank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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