THE CLIENT

A seasoned commercial property investor with more than 20 years of experience came to Apex Commercial Capital seeking financing for a retail property in Tennessee. The borrower had successfully managed numerous properties over the years and was ready to reinvest in this asset to maximize its potential.

THE CHALLENGE

The investor owned a 12-unit retail property free and clear but wanted to refinance and take cash out to fund property improvements. Two of the units were vacant, and the borrower planned to remodel them to attract new tenants and increase overall revenue. Timing was critical — the borrower needed the loan to close quickly so work could begin right away.

An additional challenge arose during processing when it was discovered that the property was held in a trust and the verbiage in the trust documents needed to be updated before the loan could move forward. That meant extra documentation and coordination between the borrower, attorney, and Apex’s team to ensure the deal stayed on track.

THE APEX SOLUTION

$185,000 • Refinance of retail property • Quick cash-out for improvements

Apex’s experienced team understood the borrower’s need for speed and handled the trust document issue promptly and professionally, keeping all parties informed throughout the process. Our flexible approach and in-house servicing meant that even with the added paperwork, the deal continued to move forward smoothly.

Apex provided a loan that allowed the investor to access the equity in the property and fund renovations to the vacant units. The financing offered the borrower the liquidity needed to make timely improvements while maintaining a long-term, stable financing structure.

THE RESULTS

Despite the added complexity, the deal closed in just 45 days. With cash in hand, the borrower immediately began remodeling the two vacant units to attract new tenants and enhance the property’s value. Apex’s quick, common-sense lending process helped a long-time investor unlock capital from an existing asset and keep their business moving forward.

At Apex Commercial Capital, we understand that even experienced investors run into challenges. Our team is here to deliver flexible, efficient financing solutions — helping property owners grow, improve, and thrive.

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