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Map of the United States with highlights on the following served areas: South Carolina
Areas Served
South Carolina
Office Locations Columbia, South Carolina
Contact Email [email protected]

Optus Bank helps strengthen their community by closing the wealth gap created by systemic disparities in the financial industry. By providing loans and banking services to local businesses and individuals they serve to turn deposits into direct support for the communities where their customers live and work. Optus Bank was built upon the foundation created 100 years ago by visionary African American leaders who established Victory Savings and Loan to provide access to capital to individuals and businesses excluded from the banking system – and their main goal has remained the same – ensuring that wealth building is not just for the wealthy.

Lending Focus

The African American community and other historically underserved people and places.

Loans At A Glance

Loan Amounts Provided

Up to $2,675,000

Eligibility Criteria

  • Minimum credit score: 620
  • Minimum owner’s equity contribution: 10%

Loan Types

Lines of credit and term loans

Client Success Story

“Orlando Snipes has successfully grown his commercial cleaning and landscaping business to include three full time employees and dozens of residential and commercial contracts. To assist him with a recent business expansion, we consolidated his equipment debt, lowered his monthly payments while financing additional equipment and providing a line of credit to pursue larger contracts.”