What We Provide

What We Provide

Flexible and Creative Programs with Unmatched Certainty of Execution

With an exclusive focus on the hotel industry, Access Point Financial offers a full spectrum of capital solutions designed with hoteliers in mind. We provide bridge, construction and permanent loans, as well as mezzanine and preferred equity to qualified borrowers. In addition, we are an experienced capex and PIP lender. Our diverse range of loans offers you a competitive alternative to traditional bank financing.

As a preferred lender with close alliances to leading associations and brands, APF is a leader in the hospitality industry, providing both debt and equity for hotel projects. As a hotel-only lender, we understand lodging intimately, and can make a credit decision utilizing proforma based underwriting for a value-add or transitional asset. To us, each loan opportunity is unique, and we will work with you to ensure a smooth and successful closing.

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

CAPEX / PIP Renovation

  • LOAN PURPOSE

    Branded hotel PIP renovations. FF&E for hotel development, conversion, or renovation.

  • LEVERAGE

    Up to 100% of brand mandated PIP’s

  • LOAN AMOUNT

    $1MM – $5MM

  • INTEREST RATE

    Starting at SOFR + 700 basis points

  • TERM

    7 years.

  • AMORTIZATION

    24-Months Interest Only; self-amortizing thereafter

  • RECOURSE

    Personal and/or corporate guarantees

  • BUSINESS DEVELOPMENT CONTACT:

    Matt Hick, Managing Director mhick@accesspointfinancial.com
    M: (404) 276-3027

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