APEX is a company that provides loans to individuals & businesses secured by commercial real estate.
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:
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:
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.
Rates | Starting at 5.25% |
Loan amount | $25,000 to $1.5 million |
Loan term |
Up to 25 years fixed and fully-amortized 3-Year Hybrid 5-Year Hybrid |
Max LTV | 70% - varies by property type |
Prepayment Penalty | 5, 4, 3, 2, 1 declining
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 |
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 | Up to 25 years fixed and fully-amortized |
Max LTV | 60% - 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, Day cares, Hair salons, Auto repair/auto body, Funeral homes, Office/warehouses, Garage/storage |
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 | Up to 25 years fixed and fully-amortized |
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