Apex Commercial Capital

Apex Commercial Capital, based in Horsham, Pennsylvania, specializes in long-term commercial real estate financing for small businesses and investors, providing loans from $50,000 to $1.5 million. They focus on non-bankable clients and offer flexible mortgage solutions tailored to individual needs, with over 25 years of experience.

Direct Lender for Long-Term CRE Financing

At APEX, we know your objective is to strengthen your business and achieve your financial goals while saving money. We can help. For over 25 years, we’ve used our experience and industry knowledge to help small business owners and commercial property investors to secure the financing they need to achieve their goals. We understand your unique needs, and we take the time to get to know you so that we can offer a mortgage solution that makes sense.

We specialize in non-bankable clients, so if you’ve encountered some financial obstacles in the past, we’re a perfect fit.
We offer small-balance mortgages from $25,000 to $1.5 million for commercial properties.
We offer fixed and fully-amortizing mortgages up to 25 years, which means you get a consistent monthly payment and a sense of security.
For borrowers seeking more flexible options, we also offer ARMs and hybrid products.
We’re thorough and nimble. Our team will walk you through every step of the process and will work closely with you to meet your needs quickly.
We’re a subsidiary of Firstrust Bank, which means we’ve got stability that you can depend on.

Please note: We do NOT offer loans secured by land or residential properties.

Details and Requirements

Property Geographic Area Details

Nationwide except 8 states: AL, AK, HI, MI, NV, ND, WV, VT

Loan Amounts

$50,000 to $1,500,000

Interest Rates

7% to 12%

Origination Fees

1% to 1%

Loan Terms

36 to 360 months

Lien Position

1st

Credit Check Required

yes

Minimum Credit Score Required

500

Prepayment Penalty

yes

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Amortized

Payment Structure Details

All loans are amortized

Personal Guaranty (Recourse) Required

Always

Borrower Entity Types Considered

LLC
Limited Partnership
Corporation
Non-Profit Corporation

Documentation Required

Credit Report
Tax Returns
Bank Statements
Financial Statements
Loan Application

Appraisal Required for Residential Property

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Broker Price Opinion (BPO) Accepted for Commercial Property

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

We typically consider foreign nationals that have existing ties to the United States.

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance

Property Occupancy

Tenant Occupied 100%
Owner Occupied Commercial

Last updated: October 5, 2026

Apex Commercial Capital’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$1,174,856,470

12mo Loan Count

1,044

Total Loan Volume

$14,769,426,558

Average Loan Size

$528,159

Loan Count by State (Past 12 Months)

PA: 739, NJ: 178, MA: 64, MD: 23, FL: 16, NC: 3, DE: 11, VA: 4, SC: 2, GA: 4

Data provided by

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Company Quick Facts

Year Established: Apex Mortgage Corp. founded in 1992; Apex Commercial Capital formed in 2022 through the merger of Apex Mortgage Corp. and Firstlease, Inc.
Headquarters: Horsham, Pennsylvania
Company Type: Direct balance sheet lender; wholly owned subsidiary of Firstrust Bank
Parent Company: Firstrust Bank
Loan Types: Commercial Mortgages, Equipment Financing
Property Types: Owner-occupied commercial properties, investment properties, mixed-use, multifamily, retail, office, industrial, and other commercial real estate
Loan Size: Commercial mortgages from $50,000 to $2 million; equipment financing up to $500,000
Geographic Focus: Nationwide (United States)
Primary Customers: Small business owners, commercial real estate investors, and equipment purchasers
Capital Model: Direct lender with loans held in its own portfolio
Underwriting Approach: Flexible, story-based underwriting for non-traditional borrowers

Office Locations

1 Walnut Grove Drive, Suite 300, Horsham, Pennsylvania 19044

Connect with Apex Commercial Capital:

Our Team

Rich Lee

Account Executive

Shannah Berger

Director of Sales

Our minimum loan amount is $50,000

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