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Apex Commercial Capital

Focused on providing commercial mortgage lending to small businesses.

Hard Money Loan
Story Loans & Credit Challenged

Property Types Automotive, Daycare, Hotel, Multi Family, Office, Retail, Special-Use, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $25,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 10.5%
Terms 25 year
Credit Score Min 500
Updated as of 2022-01-01

Long Term Commercial Loan

Property Types Automotive, Daycare, Hotel, Multi Family, Office, Retail, Special-Use, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $25,000
Loan amount Maximum $1,500,000
Terms 3 year, 5 year, 30 year
Credit Score Min 600
Updated as of 2023-01-16

Summary of all Guidelines

Loan Types Bridge Loan, Commercial Loan, Hard Money Loan
Property Types Automotive, Hotel, Mixed use, Mobile Home Park, Motel, Multi Family, Office, Restaurant, Retail, Self-Storage, Warehouse
Lendding Area arizona, california, colorado, connecticut, delaware, florida, georgia, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, mississippi, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, oregon, rhode-island, south-carolina, south-dakota, tennessee, texas, utah, washington
States Excluded Alabama, Arkansas, Hawaii, Michigan, Nevada, North Dakota, Vermont, West Virginia
Loan amount Minimum $25,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 6%
Interest Rate Maximum 12%
Points Minimum 1st TD 1
Points Maximum 1st TD 7
Terms 1 year, 11 years, 15 years, 20 year, 30 Years
Credit Score Min 600
Interest Only or Amortized Amoritzed
Prepayment Penalty 1 year, 2 year, 3+ years
LTV Bridge 60
Upfront Fees Other
Personal Guarantee /Recourse Required Recourse
Intended Occupancy Owner, Non-Owner


APEX is a wholly owned subsidiary of Firstrust Bank. We are a direct lender and we service all of our loans. All you need to do to find out how we can help is give us a call, and we’ll walk you through the process of submitting an application and giving us some information about how you’re planning to use the funds. We know you’re more than a credit score, and we’ll consider all relevant financial information when reviewing your request. You will always speak to an underwriter that makes the decisions and who can answer any questions you might have throughout the process.

We are happy to make loans as low as $25,000 and up to $1.5 million. Properties must be worth at least $75,000 to be considered.

APEX will consider property mortgages 60% to 70% loan-to-value (LTV), depending on the type of property. Final LTV’s and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties.


Apartment Buildings
Mixed-Use Buildings
Warehouse/Office Buildings
Day Care / Hair Salons / Funeral Homes
Hotels and Motels


Join our Approved Broker program and start providing more commercial mortgages to your small business clients.


Streamlined access to our underwriters to consider your deals
Access to free marketing materials, such as handouts and brochures designed to increase your business
An APEX Approved Broker badge for your website, demonstrating your ability to provide lending solutions where others cannot.

Apex Commercial Capital is located in Horsham, PA. They offer financing for Bridge Loans, Hard Money Loans and Commercial Loans. The property type they primarily lend against is Automotive, Multi Family, Office, Retail, Mixed use, Motel, Hotel, Mobile Home Park, Restaurant, Self-Storage and Warehouse. Their minimum loan amount is $25,000. Their maximum loan amount is $1,500,000. They offer loans for a minimum Term of 11-15 years. Maximum duration of 1 year;11 years;15 years;20 year;30 Years. Although rates can change they are typically lending at a minimum rate of 6%. Maximum interest rate of 12%. Points charged are deal specific, but historically have charged a minimum of 1. Maximum points charged are 7.

These descriptions are limited information and meant for general reference purposes.
1 Walnut Grove Drive