The Name to Know in Hotel Finance.

The Name to Know in Hotel Finance.

Most Recognized and Trusted Capital Solution for Hoteliers.

Who We Are

Your hospitality lending partner.

Access Point Financial is the hotel industry’s most trusted partner for direct hospitality lending. With decades of experience and market expertise, we specialize in providing the capital solutions you need now — from bridge, construction and permanent loans, as well as mezzanine and preferred equity to capex and PIP loans, we are dedicated to serving qualified hotel owner-operators throughout the United States.

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Your hospitality lending partner.
The APF Difference
  • <strong>As a hotel-only lender,</strong> we are active lenders throughout the market cycle, and offer certainty of execution on every loan due to our streamlined process.

    As a hotel-only lender, we are active lenders throughout the market cycle, and offer certainty of execution on every loan due to our streamlined process.

  • <strong>We understand hotels intimately.</strong> As your long-term financial partner, we can offer capital solutions across your project lifecycle.

    We understand hotels intimately. As your long-term financial partner, we can offer capital solutions across your project lifecycle.

  • <strong>We have capital solutions to fit all your needs,</strong> whether it be a bridge loan for a value-add project, a permanent loan for a stabilized asset or a loan for the completion of a brand-mandated PIP or renovation.

    We have capital solutions to fit all your needs, whether it be a bridge loan for a value-add project, a permanent loan for a stabilized asset or a loan for the completion of a brand-mandated PIP or renovation.

  • <strong>We service our loans in-house. </strong>After your loan closes, you’ll be assigned an Asset Manager who you’ll work with throughout the life of the loan.

    We service our loans in-house. After your loan closes, you’ll be assigned an Asset Manager who you’ll work with throughout the life of the loan.

Loan Programs

We have a loan to meet your needs.

Bridge

  • LOAN PURPOSE

    Acquisition, conversion, refinance, discounted purchase option or note purchase.

  • LEVERAGE

    LTC/LTV: Up to 75%.

  • LOAN AMOUNT

    $5MM - $50MM. Smaller and larger loans considered on a case-by-case basis.

  • INTEREST RATE

    Fixed or Floating rate, starting at 550 basis points over the applicable index.

  • TERM

    3 to 5 years

  • FEES

    1% to 2%

  • AMORTIZATION

    Up to 3 years interest only, 25 year amortization, thereafter.

  • RECOURSE

    Varies depending on the transaction. Non-recourse, except for standard bad-boy carveouts is available.

Construction

  • LOAN PURPOSE

    Ground Up construction; Hotel Conversion with a heavy renovation component.

  • LEVERAGE

    Up to 75% LTC

  • LOAN AMOUNT

    $10MM to $30MM per asset. Smaller and larger projects considered on a case-by-case basis.

  • INTEREST RATE

    Starting at 625 basis points over the applicable index.

  • TERM

    3 Year initial term with extension options.

  • FEES

    1% to 2%

  • AMORTIZATION

    Up to 3 Years Interest Only, 25 year amortization, thereafter.

  • RECOURSE

    Completion guarantee required. Personal and/or corporate guarantees.

Permanent

  • LOAN PURPOSE

    Refinance or acquisition of a stabilized asset

  • LEVERAGE

    Up to 70% LTV

  • LOAN AMOUNT

    $7MM to $50MM

  • INTEREST RATE

    Starting at 5.50%, rate locked at Application

  • TERM

    5, 7 or 10 years

  • FEES

    1 - 2%

  • AMORTIZATION

    Up to 5 years Interest Only, 25-30 year amortization thereafter.

  • RECOURSE

    Non-recourse, bad-boy carveouts required

  • PREPAYMENT

    3 years Yield Maintenance, open prepay, thereafter.

Mezzanine/Preferred Equity

  • LOAN PURPOSE

    Recapitalization, Construction takeout, Gap Financing

  • LEVERAGE

    Up to 80% LTC

  • LOAN AMOUNT

    $3MM - $30MM

  • INTEREST RATE

    Starting at 900 basis points

  • TERM

    Coterminous with senior mortgage.

  • FEES

    1% to 2%

  • AMORTIZATION

    Interest Only

  • RECOURSE

    Personal and/or corporate guarantees

PIP

  • LOAN PURPOSE

    Brand-mandated PIP or renovation, inclusive of FF&E & real estate.

  • LEVERAGE

    Up to 100% of the Cost of the PIP or renovation, total debt not to exceed 85% LTC.

  • LOAN AMOUNT

    Up to $10MM per property

  • INTEREST RATE

    Starting at 575 basis points over the applicable index.

  • TERM

    7-10 years

  • FEES

    1% to 2%

  • AMORTIZATION

    Up to 36 months interest only, Self-Amortizing, thereafter.

  • RECOURSE

    Personal and/or corporate guarantees required.

Capex

  • LOAN PURPOSE

    FF&E required for hotel development or a conversion.

  • LEVERAGE

    Up to 100% of the total cost of the FF&E, total debt to not exceed 85% LTC.

  • LOAN AMOUNT

    Up to $10MM per property

  • INTEREST RATE

    Starting at 600 basis points over the applicable index.

  • TERM

    7-10 years.

  • FEES

    1% to 2%

  • AMORTIZATION

    Up to 24 Months Interest Only, Self-Amortizing, thereafter.

  • RECOURSE

    Personal and/or corporate guarantees required.

Transactions

Our proven closings are your goals realized.

  • Courtyard by Marriott
    Courtyard by Marriott
    Phoenix, AZ

    Bridge

    Financed Amount

    $19,075,000
  • Hampton Inn
    Hampton Inn
    Cleveland, OH

    Bridge

    Financed Amount

    $20,000,000
  • Residence Inn
    Residence Inn
    Sacramento, CA

    Bridge

    Financed Amount

    $18,810,000
  • Residence Inn
    Residence Inn
    Saint Louis, MO

    Bridge

    Financed Amount

    $10,000,000
  • Tapestry by Hilton
    Tapestry by Hilton
    Warren, NJ

    Bridge

    Financed Amount

    $18,025,000
  • Hyatt Place
    Hyatt Place
    Charlotte, NC

    Bridge

    Financed Amount

    $10,832,000
View All
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