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.

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%
Loan Terms
36 months to 360 months
Origination Fees
1% to 1%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
Property Occupancy
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Long-Term
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Refinance Long-Term
Max LTV Multifamily: 70%
Max LTP Commercial: 65%

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Car Wash
  • Child Day Care
  • Church
  • Club
  • Commercial Condominium
  • Community Center
  • Event Center
  • Golf Course
  • Gym
  • Healthcare
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Place of Worship
  • RV Park
  • Religious Facility
  • Retail
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Winery

Loan Types

  • Commercial Long-Term

Specialty Loan Types

  • Commercial Permanent Financing
  • Reverse 1031 Exchange
Will allow equity from another investment property, but borrower must have some cash in the deal. For seller financed deals, the seller must be in 2nd position, and the borrower must contribute at least 20% cash.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Another Investment Property
  • Seller Financing

Deposit Required

Upon signing term sheet, we require a Good Faith fee which covers third party expenses and the balance is applied to the HUD at closing.

Fees which are mandatory for all new borrower clients

  • Deposit

Fees which are paid to a third party company

  • Appraisal Fee
  • Title Fee
  • Credit Report Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Amortized
Payment Structure Details

All loans are amortized

Pre Payment Penalty


Will lend to a foreign national


We typically consider foreign nationals that have existing ties to the United States.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
  • Non-Profit Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property

Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property

Broker Price Opinion (BPO) Accepted for Commercial Property

Get In Touch

Apex Commercial Capital pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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APEX Commercial Capital was established in December 1992 with a focus on providing commercial mortgages and loan programs directly to small business owners who are unable to obtain traditional financing.  Our typical loan programs range from $50,000 to $1.5 million.

Our commercial mortgages are held in APEX’s own portfolio and are never sold. As a direct lender of commercial mortgages, we believe relationships are crucial to helping business owners and real estate investors achieve success and we stand by you through the entire process. This allows us to fully understand and meet your business needs.

With over 25 years of experience closing commercial mortgages, APEX takes a commonsense approach to underwriting. We’re able to make decisions on commercial real estate mortgages and business loans based on the borrower’s entire story, not just the numbers on paper.

Company Size (Number of Employees)


Year Established


Office Locations

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

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Our Team

Rich Lee

Account Executive

Shannah Berger

Director of Sales

Get In Touch

Apex Commercial Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Apex Commercial Capital by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


Send an email to Apex Commercial Capital