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. Larger loan amounts considered on a case-by-case basis.

  • INTEREST RATE

    Fixed Rate starting at 8.5%; Floating Rate starting at 500 basis points.

  • TERM

    2-3 Year initial term, plus extension options.

  • AMORTIZATION

    Up to 36 months interest only, 25 year amortization, thereafter.

  • RECOURSE

    Non-recourse is available.

Construction

  • LOAN PURPOSE

    Development of new hotels in strong secondary markets.

  • LEVERAGE

    Up to 70% LTC

  • LOAN AMOUNT

    $10MM – $30MM, larger projects considered on a case-by-case basis.

  • INTEREST RATE

    Starting at 700 basis points

  • TERM

    3 years, plus extension options.

  • AMORTIZATION

    Interest only, 25 year amortization during extension options.

  • RECOURSE

    Completion guarantee required.Personal and/or corporate guarantees.

Permanent

  • LOAN PURPOSE

    Refinance or acquisition of a stabilized asset.

  • LEVERAGE

    Up to 65% as-is LTV

  • LOAN AMOUNT

    $10MM – $50MM

  • INTEREST RATE

    Starting at 250 basis points

  • TERM

    5, 7 or 10 years.

  • AMORTIZATION

    20 to 30 year amortization.

  • RECOURSE

    Non-recourse, bad-boy carve-outs required

  • PREPAYMENT

    3 years Yield Maintenance, open prepay, thereafter.

Mezzanine/Preferred Equity

  • LOAN PURPOSE

    Recapitalization, Construction take-out, Gap Financing.

  • LEVERAGE

    Subject to review of the transaction.

  • LOAN AMOUNT

    $3MM – $30MM

  • INTEREST RATE

    Starting at 1100 basis points.

  • TERM

    Coterminous with senior mortgage.

  • AMORTIZATION

    Interest Only

  • RECOURSE

    Personal and/or corporate guarantees

PIP

  • LOAN PURPOSE

    Brand-mandated PIP or renovation.

  • LEVERAGE

    Subject to review of the transaction.

  • LOAN AMOUNT

    $1MM – $10MM, larger projects considered on a case-by-case basis.

  • INTEREST RATE

    Starting at 800 basis points.

  • TERM

    7-10 years.

  • AMORTIZATION

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

  • RECOURSE

    Personal and/or corporate guarantees.

Capex

  • LOAN PURPOSE

    FF&E for hotel development, conversion or renovation.

  • LEVERAGE

    100% of the FF&E (Purchase, Delivery, Installation)

  • LOAN AMOUNT

    $750K – $5MM

  • INTEREST RATE

    Starting at 700 basis points

  • TERM

    7 years.

  • AMORTIZATION

    12 Months Interest Only; self-amortizing thereafter.

  • RECOURSE

    100% recourse to the key principals

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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