Welcome to APEX Mortgage

Loan Programs

APEX is a company that provides loans to individuals & businesses secured by commercial real estate.

Loan Programs

APEX works with brokers to provide direct lending to your commercial clients with urgent financing needs. Many of the businesses that we work with have found that traditional banks will not underwrite small balance loans or loans to support building purchase, renovations, debt consolidation or some other commercial mortgage application. Many self-employed building owners find that banks just don’t understand them, but APEX does!

Does your deal fit?
At APEX, we work with deals that fit the following criteria:

  • Loans range from $25,000 to $1.5 million (minimum property value of $75,000)
  • Credit rating from A0 through A+ (see Credit Grade below)
  • Property types financed include apartment buildings, mixed use, retail buildings, office buildings, warehouses, auto repair shops, day care businesses, hotels, motels, office buildings
  • APEX has the capacity to help with unusual loans and circumstances

Our Programs
We have a variety of programs to serve your needs. Please click on the tabs below to learn more about each credit rating program:

The A+ Program

Did your borrower just miss qualifying for a commercial mortgage with a bank? APEX can help. The A+ program is designed for small business owners and property investors with good credit and solid financials who are unable to obtain bank financing.

With both standard and top tier options, the A+ program is a great choice for your best non-bankable borrowers. Loan over $1 million only available in major MSAs.

Rate Starting in the high 5’s
Loan amount $125,000 to $1.5 million
Loan term Standard: Fixed rate terms of 1, 3 or 5 years with 15-year maturity
Top Tier: Hybrid fixed for 3 or 5 years, then adjusts monthly; 30-year amortization with 10-year maturity
Max LTV 65% - varies by property type
Prepayment Penalty 5, 4, 3, 2, 1 declining
3, 2, 1 declining
5, 3 declining
Credit 700+
Collateral Multifamily, Mixed use, Professional office space, Retail store- strip/free standing (case by case basis), *Office Warehouse (case by case basis)

* Not eligible in standard A+ program

The Core Programs

APEX's core programs are designed with small-business owners and commercial property investors in mind. Our lending philosophy was built on these programs, and we have the experience and expertise to get non-bankable borrowers the small-balance commercial mortgage they need.

Fixed and adjustable rates are available. Loan over $1 million only available in major MSAs.

Rate Starting at 8.99%
Loan amount $125,000 to $1.5 million
Loan term 5-25 years
Max LTV 70% - varies by property type
Prepayment Penalty 5, 4, 3, 2, 1 declining
Credit 600+
Collateral Apartment buildings, Office buildings, Multifamily, Retail, Mixed use, Hotel/motel, Recreational, Day cares, Hair salons, Auto repair/auto body, Funeral homes, Office/warehouses, Mobile home parks, Garage/storage, Bar/Restaurant
Story Loans/Credit Challenged

Many small business owners are unable to obtain bank financing for a variety of reasons. At APEX, we understand the unique obstacles that these borrowers are more than their credit score or past financial challenges.

We're willing to listen to their stories so that we can fully understand their situations and provide them with the best possible mortgage solutions.

Rate Starting at 10.5%
Loan amount $25,000 to $350,000
Loan term 5-25 years
Max LTV 65% - varies by property type
Prepayment Penalty 5, 4, 3, 2, 1 declining
Credit Under 600 or other credit challenges
Collateral Apartment buildings, Office buildings, Multifamily, Retail, Mixed use, Hotel/motel, Recreational, Day cares, Hair salons, Auto repair/auto body, Funeral homes, Office/warehouses, Mobile home parks, Garage/storage, Bar/Restaurant
Non-profit Program

Securing financing for non-profits is often a challenge, but APEX understands the needs of these organizations and has a program designed for them.

This is a low-doc program. Personal guarantors are required on a case-by-case basis.

Rate Starting at 10.5%
Loan amount $25,000 to $400,000 (May consider higher loan amounts)
Loan term 5-25 years
Max LTV 60% - varies by property type
Prepayment Penalty 5, 4, 3, 2, 1 declining
Credit 600+
Collateral Houses of Worship, VFWs, Union halls, Office buildings, Retail

It is very simple to find out how APEX can help you – call us at (877) 604-5304 or submit your deal and a mortgage specialist will contact you.

Get Started With APEX

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