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SBA 7(a) record
OptimumBank: SBA 7(a) loans made
OptimumBank, a bank based in Fort Lauderdale, FL, made 45 SBA 7(a) loans in the 36 months ending September 30, 2026, $52.4M in all, net of cancelled approvals. The typical loan was about $880K, and 14 were in the last 12 months. Most were in Florida.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 45
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $52.4M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $880K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 14
- SBA FOIA,
Cite this
Source: The Lender Report, OptimumBank: SBA 7(a) loans made, https://lender.report/lender/optimumbank-fl/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2026 | Puerto Rico | SBA 7(a), Health Care and Social Assistance | $2M | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Landscaping Services | $1.3M | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Commercial and Institutional Building Construction | $1.1M | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $340K | 9.5% | 25 yr | SBA FOIA | |
| May 2026 | Florida | SBA 7(a), Home and Garden Equipment Repair and Maintenance | $1.5M | 9.5% | 25 yr | SBA FOIA | |
| May 2026 | Florida | SBA 7(a), Child Care Services | $990K | 9.25% | 25 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Janitorial Services | $420K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), General Automotive Repair | $970K | 9.75% | 17 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Janitorial Services | $900K | 9.5% | 14 yr | SBA FOIA | |
| Jan 2026 | Illinois | SBA 7(a), Health Care and Social Assistance | $5M | 9.75% | 25 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Limited-Service Restaurants | $360K | 9.25% | 10 yr | SBA FOIA | |
| Dec 2025 | Texas | SBA 7(a), Other Building Finishing Contractors | $300K | 10% | 10 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Manufacturing | $5M | 10% | 26 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Offices of Physicians (except Mental Health Specialists) | $2.6M | 9.5% | 15 yr | SBA FOIA | |
| Sep 2025 | Florida | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $2.6M | 10% | 10 yr | SBA FOIA | |
| Sep 2025 | Indiana | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $600K | 10.25% | 10 yr | SBA FOIA | |
| Aug 2025 | North Carolina | SBA 7(a), Offices of Other Holding Companies | $690K | 10.5% | 10 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 7(a), Offices of Lawyers | $300K | 10.5% | 10 yr | SBA FOIA | |
| Jul 2025 | Illinois | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $280K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2025 | Florida | SBA 7(a), Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers | $150K | 10.5% | 10 yr | SBA FOIA | |
| Jun 2025 | Florida | SBA 7(a), All Other Miscellaneous Retailers | $150K | 10.5% | 10 yr | SBA FOIA | |
| May 2025 | Florida | SBA 7(a), Other Building Finishing Contractors | $1.3M | 10.25% | 13 yr | SBA FOIA | |
| May 2025 | Florida | SBA 7(a), Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures | $680K | 10.5% | 10 yr | SBA FOIA | |
| Apr 2025 | North Dakota | SBA 7(a), Limited-Service Restaurants | $980K | 10.25% | 10 yr | SBA FOIA | |
| Apr 2025 | Florida | SBA 7(a), Paint and Coating Manufacturing | $150K | 10.5% | 10 yr | SBA FOIA | |
| 45 SBA 7(a) loans since October 2023, net of cancelled | $52.4M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Florida | 31 | $33.1M |
| Texas | 3 | $2.23M |
| Illinois | 2 | $5.28M |
| Vermont | 2 | $1.10M |
| Georgia | 1 | $340K |
| Indiana | 1 | $600K |
| Iowa | 1 | $2.80M |
| Mississippi | 1 | $3.20M |
| North Carolina | 1 | $690K |
| North Dakota | 1 | $980K |
| Puerto Rico | 1 | $2.00M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 14 | $3.01M |
| $350K to $1M | 14 | $9.96M |
| $1M to $2.5M | 10 | $13.2M |
| $2.5M or more | 7 | $26.2M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 1 | $880K |
| 2024 Q1 | 4 | $5.72M |
| 2024 Q2 | 2 | $2.33M |
| 2024 Q3 | 7 | $8.48M |
| 2024 Q4 | 4 | $4.00M |
| 2025 Q1 | 2 | $300K |
| 2025 Q2 | 5 | $3.26M |
| 2025 Q3 | 6 | $4.62M |
| 2025 Q4 | 3 | $7.90M |
| 2026 Q1 | 4 | $7.23M |
| 2026 Q2 | 6 | $5.65M |
| 2026 Q3 | 1 | $2.00M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Limited-Service Restaurants (722513) | 5 |
| Full-Service Restaurants (722511) | 4 |
| Manufacturing | 4 |
| Offices of Mental Health Practitioners (except Physicians) (621330) | 3 |
| Snack and Nonalcoholic Beverage Bars (722515) | 3 |
| Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures (711410) | 2 |
| All Other Miscellaneous Retailers (459999) | 2 |
| Health Care and Social Assistance | 2 |
| Janitorial Services (561720) | 2 |
| Other Building Finishing Contractors (238390) | 2 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 2 |
| All Other Amusement and Recreation Industries (713990) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| 7a General | 23 |
| Preferred Lenders Program | 22 |
- OptimumBank made 45 SBA 7(a) loans totaling $52.4M in the 36 months ending September 30, 2026, net of cancelled approvals, in 11 states. SBA FOIA,
- 14 of them were in the 12 months to September 30, 2026, and 17 in the 12 months before. SBA FOIA,
- The typical loan was about $880K, with the middle half between $300K and $1.3M. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 17 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 10.50% on 45 loans, with the middle half between 9.75% and 11.25%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Limited-Service Restaurants, with 5. SBA FOIA,
- The SBA file lists 23 of its loans as processed under 7a General. SBA FOIA,
- Its loans were most often in Florida (31), Texas (3) and Illinois (2). SBA FOIA,
What we don't know
- Whether OptimumBank is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.