APEX offers a full array of loan programs for self-employed applicants, including "no income verification" loans secured by both mixed-use and commercial real estate.  See Programs for a listing of the variety of programs APEX offers, along with guidelines and current rates.

Underwriting is conducted through both internal credit analysis and an on-site inspection of the borrower’s business and collateral done by an independent inspection company retained by APEX. Once underwriting is completed, settlement is usually concluded within twenty days.

APEX's strength in the marketplace is attributed to its unique underwriting process. Each application is evaluated by a credit officer prior to the presentation of a rate and term quote. If the borrower is interested in APEX's proposal, then a loan officer conducts an in-depth telephone interview. This process allows the loan officer to effectively evaluate a borrower's credit worthiness and debt service capacity by allowing them to develop aspects of the borrower's character, capacity and credit that are not apparent on paper.

To further accommodate the average business owner’s financial needs, APEX would like to introduce its newly formed sister company, FirstLease, Inc.  With leases up to $100,000, FirstLease can handle any company’s equipment financing needs.  For more information, go to www.firstleaseonline.com.