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)
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 Core 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

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	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

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	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.