APC Lending is a non-bank SBA 504 lending specialist

  • We provide solutions for CDCs when other TPLs abandon good loans

  • We work quickly and have flexibility when most traditional TPLs don't

  • We compensate BDO’s and their CDC for referrals

What we need to indicate interest
SBA 504 Loans | SBA 504 Real Estate Loans | Equipment Loans | APC Lending

  • Debt Service Coverage

    Past year and Interim DSC

  • FICO

    Average FICO scores of Guarantors

  • Property Location

  • Use of Proceeds

    Project Size - acquisition, refinance or construction

Do you have a loan that needs a home?

We'll tell you 'yes' or 'no' in 24 hours or less 

Submit a Loan
See below credit matrix for estimated pricing

APC Lending Credit Funding Matrix

Standard Credit 1.2x 700+ Conforming
Strikes to Credit Projection & Interim Based 600-700 Special Use

Pricing

Use the Credit Matrix above to determine pricing and eligibility.
Standard Credit Prime
1 Strike to Credit Prime + 150bps
2 Strikes to Credit Not Eligible

Our 504 Loan Process

APC Lending
Typical Loan Terms
TERM 10 Years
RATE STRUCTURE 5 year fixed/5 year float
AMORTIZATION 25 Years
PREPAYMENT 5 Year - 20% payable each year
INTERIM LOAN I/O - Prime + 200bps

Why APC Lending?

We work with CDCs across the country as a reliable alternative source of credit for their potential 504 projects.  Too often good loans fall through with traditional banks for bad reasons.   That's where APC Lending thrives.  Because we are a non bank lender we can step in and get your project across the finish line.  
SBA 504 Loans | SBA 504 Real Estate Loans | Equipment Loans | APC Lending

We Move Quickly

When a TPL falls through on a project you usually need a quick and certain option to step in.  We understand and have built a process to respond quickly and transparently. 

SBA 504 Loans | SBA 504 Real Estate Loans | Equipment Loans | APC Lending

We Finance Construction

APC Lending can provide a one stop solution for projects that require an Interim construction loan. 

SBA 504 Loans | SBA 504 Real Estate Loans | Equipment Loans | APC Lending

Referral Fees

Not only do we try to remove the hassle of for CDC loan officers who need to find a home for a 504 project, but we also pay our CDC partners referral fees when they select us. 

FAQs

Do you fund the Interim Loan

Yes, we typically fund the Interim loan for our SBA 504 projects.

Are there any industries in which you won't lend?

This list might change from time to time but currently we are not funding loans on gas stations or hotels.  

Do you have any geographic limitations?

We fund loans nationwide.  

Do you fund loans with your own capital?

We fund all loans using our own managed capital.   APC Lending is not a loan broker.  

Will you do construction projects?

Yes, we regularly provide Interim loans to finance renovations and/or ground up construction.   However, our objective when funding construction loans is to end up with the permanent loan as well. 

What are the advantages of being a non-bank TPL?