Business Loans
Lines of Credit
A revolving credit facility designed to provide working capital for short-term operating expenses. Use it to manage cash flow, cover payroll, purchase inventory, or handle unexpected expenses; only pay interest on what you use.
Term Loans
Fixed-rate loans with set repayment schedules, ideal for financing long-term business investments such as equipment purchases, business expansion, or permanent facility improvements.
Renewable Energy
Funding that supports eco-friendly and energy-efficient initiatives for businesses committed to sustainability. Use funds for solar panel installations, energy-efficient HVAC systems, green building materials, and sustainability certifications. Learn more.
Construction
Short-term financing to support the ground-up construction or major renovation of commercial properties. Funds are disbursed in phases based on project milestones.
Real Estate
Loans designed for the acquisition, refinancing, or improvement of owner-occupied or investment commercial real estate properties, whether it’s an office, retail space, warehouse, or mixed-use development.
Equipment
Designed to help you purchase essential business equipment, from vehicles to machinery. Helps preserve your cash reserves while getting the tools you need to operate efficiently.
Industrial
Specialized financing for manufacturers, distributors, and other industrial businesses. Use funds for facility improvements, large-scale production equipment, or technology upgrades.
SBA and USDA Guaranteed Loans
Government-backed loans for small businesses, offering flexible terms and lower down payments. Ideal for startups and expanding businesses looking for working capital, equipment, or real estate. Learn more
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Customer Service
803.733.8100
Optus Bank Corporate Office
1501 Gervais Street
Columbia, SC 29201
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