Loan Programs & Commercial Mortgages

APEX is a wholly owned subsidiary of Firstrust Bank. We are direct lenders and we service all of our loans. That means we can listen to your story. We do not underwrite in a box.

You will always speak to an underwriter that makes the decisions.

APEX is the only true SMALL COMMERCIAL LENDER. We are happy to make loans as low as $25,000. (Properties must be worth at least $75,000 to be considered). And we can make loans up to $1 million.


We serve brokers in 42 states and we are the leader in commercial mortages in PA, commercial mortgages in NY, and commercial mortgages in NJ.


Property Type

Apartment Building MortgagesAPEX specializes in apartment building mortgages and will consider offering apartment buildings mortgages up to 70% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties when it comes to apartment building mortgages.

Mixed Use Property MortgagesAPEX will consider a mixed-use building mortgage up to 70% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment, when it comes to a mixed-use building mortgage.

Retail Property & Office MortgagesAPEX will consider buildings up to 70% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties.

Warehouse MortgagesAPEX will consider up to 60% LTV for all office building mortgages. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties, when it comes to office building mortgages.

Salon MortgagesAPEX will consider day care mortgages, hair salon mortgages, and funeral home mortgages up to 65% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties for all day care mortgages.

Auto Repair Shop MortgagesAPEX, a small commercial lender, will consider auto related properties up to 60% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. As a small commercial lender, APEX will consider owner occupied Auto related properties only.

Hotel & Motel MortgagesAPEX will consider hotels and motels up to 60% LTV. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties.