Access Point Financial
Access Point Financial is a private, Atlanta-based direct hotel lender offering bridge, construction, permanent, mezzanine, and preferred equity capital exclusively to the U.S. hospitality industry, having financed over $5.0 billion across 300+ hotels as a portfolio company of InterVest Capital Partners.
- Company typePrivate
- Founded2011
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Access Point Financial does
Access Point Financial (APF) is a private, Atlanta-based specialty finance company that operates exclusively as a direct capital provider to the U.S. hotel industry. Founded in 2011 by CEO Michael Lipson (who previously created the first Hotel CMBS lending platform through Lexington Mortgage Co. in partnership with Lehman Brothers in 1993), APF was recapitalized in 2017 by InterVest Capital Partners (formerly Wafra Capital Partners). The firm is structured as a vertically integrated direct hotel lender, deploying senior and subordinate capital through a unified platform that spans the full risk-return spectrum of hospitality real estate financing.
The company's core products comprise Senior Bridge Loans ($5M-$50M, 2-3 year terms, fixed rates starting at 8.5% or floating from 500 bps), Construction Loans ($10M-$30M in secondary markets, 700+ bps), Permanent Loans ($10M-$50M, 5/7/10-year terms, 250+ bps), CAPEX/PIP Renovation Loans ($1M-$5M, SOFR+700 bps), Mezzanine Loans, Preferred Equity, and participations in CMBS, Single-Asset Single-Borrower (SASB) structures, and note purchases. The platform's distinguishing capability is proforma-based underwriting of value-add and transitional hotel assets, in contrast to traditional bank lenders that underwrite primarily on in-place performance. Loan servicing is performed in-house.
APF distributes exclusively through direct enterprise sales to three primary customer segments — hotel owners and operators, hotel REITs, and hotel developers — supported by an in-house business development team and active participation in industry conferences (ALIS, Hunter, The Lodging Conference). The firm reports cumulative originations exceeding $5.0 billion across more than 300 hotels and 35,000+ keys, with 51 active assets across 20 U.S. states and a $1.6 billion deployment pace through September 2025. Recent marquee transactions include a $1.1 billion refinancing with ATLAS SP Partners (August 2025), $44 million of mezzanine debt supporting Sunday PropTech's $286 million acquisition of a 38-hotel portfolio (March 2026), and a $29.25 million bridge loan to AHIP REIT (June 2026). The company is self-described as a $3 billion private credit platform.
Access Point Financial firmographics
Firmographics- Name
- Access Point Financial
- Legal name
- Access Point Financial
- Website
- https://accesspointfinancial.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Access Point Financial is a private, Atlanta-based direct hotel lender offering bridge, construction, permanent, mezzanine, and preferred equity capital exclusively to the U.S. hospitality industry, having financed over $5.0 billion across 300+ hotels as a portfolio company of InterVest Capital Partners.
- Ownership category
- akta.pro rank
Access Point Financial industry classification
Industry- Product category
- Hospitality Commercial Lending
- NAICS
- Finance and Insurance (52)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Senior Secured Direct Lending (FSANADAA)
- akta.pro secondary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Access Point Financial is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Access Point Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Bridge Loans: Senior bridge loans for hotel acquisition, conversion, refinance, discounted purchase options or note purchases. Loan amounts $5MM-$50MM with terms of 2-3 years plus extensions. Generates interest income through fixed rates starting at 8.5% or floating rates starting at 500 basis points.
- Construction Loans: Construction financing for new hotel development in strong secondary markets. Loan amounts $10MM-$30MM with 3-year terms plus extensions. Generates interest income through rates starting at 700 basis points.
- Permanent Loans: Permanent financing for refinance or acquisition of stabilized hotel assets. Loan amounts $10MM-$50MM with 5, 7, or 10-year terms. Generates interest income through rates starting at 250 basis points.
- Mezzanine and Preferred Equity: Recapitalization, construction take-out, and gap financing through mezzanine debt and preferred equity positions. Provides higher-yielding subordinate debt returns for the firm.
- CMBS and SASB Participation: Participation in Commercial Mortgage-Backed Securities and Single-Asset Single-Borrower programs, as well as note purchases. Opportunistic investment in bespoke hotel credit investments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Bridge Loans: $5MM-$50MM for acquisition, conversion, refinance, discounted purchase option or note purchase |
| Transaction based/ take rate | Multi-year contract | Construction Loans: $10MM-$30MM for hotel development in strong secondary markets |
| Transaction based/ take rate | Multi-year contract | Permanent Loans: $10MM-$50MM for refinance or acquisition of stabilized assets |
| Transaction based/ take rate | Multi-year contract | CAPEX/PIP Renovation: $1MM-$5MM for branded hotel PIP renovations and FF&E |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Access Point Financial product offering
Product offeringCore offering
Access Point Financial is a direct hotel capital provider and lender operating exclusively in the hospitality industry. It originates and services senior bridge loans, construction loans, permanent loans, CAPEX/PIP renovation loans, mezzanine loans, preferred equity, and participates in CMBS, SASB, and note purchases for hotel owners, operators, developers, and REITs.
Product overview
Access Point Financial (APF) is a direct hotel capital provider offering a comprehensive suite of lending products exclusively focused on the hospitality industry. The company operates as a unified lending platform with multiple financing products: Senior Bridge Loans for acquisitions, conversions, and refinances; Construction Loans for new hotel development; Permanent Loans for stabilized assets; CAPEX/PIP Renovation Loans for branded property improvements; Mezzanine Loans and Preferred Equity for flexible capital stack solutions; and CMBS, SASB, and Note Purchase programs for opportunistic investments. The platform collectively supports over $5.0 billion in hotel real estate financing across more than 300 hotels and 35,000+ rooms, with loan programs ranging from $1MM to $50MM+ and coverage across 20+ U.S. states.
Differentiator
Problem solved
Functional benefit
Products and services
- Senior Bridge Loans Bridge financing for hotel acquisitions, conversions, refinances, discounted purchase options, or note purchases, targeting hotel owners, operators, and developers needing flexible, fast-execution capital with non-recourse structuring.
- Construction Loans Development financing for ground-up new hotel construction in strong secondary markets, targeted at hotel developers requiring $10MM–$30MM of construction capital with floating-rate pricing and 3-year terms plus extensions.
- Permanent Loans Refinance or acquisition financing for stabilized hotel assets, providing long-term fixed-rate capital at 5, 7, or 10-year terms for hotel owners and investors seeking permanent takeout of bridge or construction exposure.
- CAPEX / PIP Renovation Loans Specialty financing for branded hotel PIP renovations and FF&E for hotel development, conversion, or renovation, targeting owners and operators executing brand-mandated property improvement plans.
- Mezzanine Loans Subordinate gap financing and recapitalization solutions positioned between senior debt and equity, used for construction take-outs and recapitalizations of hotel properties.
- Preferred Equity Equity participation financing for hotel owners seeking capital without additional debt, providing flexible capital stack solutions across recapitalization, construction take-out, and gap financing scenarios.
- CMBS Participation Participation in Commercial Mortgage-Backed Securities (CMBS) investments focused on hospitality assets, providing liquidity, conduit executions, and investment opportunities for the firm and partners.
- SASB Participation Participation in Single-Asset Single-Borrower (SASB) financing structures for hotel properties, offering execution across large-balance, single-borrower deals.
- Note Purchases Acquisition of existing hotel loans or notes, providing liquidity to sellers and supporting APF's hospitality credit investment activities.
Companies that use Access Point Financial
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Access Point Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Access Point Financial partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- G6 HospitalitymajorG6 Hospitality is partnering with Sunday PropTech to rebrand Extended Stay America Select Suites properties to Studio 6 hotels across the Southeast, New York, California, and other states. APF's financing enables this repositioning strategy.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
Access Point Financial competitors and assessment
Company assessmentDirect peers
- Walker & Dunlop: Large-scale commercial real estate lender with a dedicated hospitality/multifamily financing platform. Directly comparable to APF as a non-bank balance-sheet lender providing senior debt, bridge, and structured financing across U.S. CRE, including hotels.
- Peachtree Group: Private credit and equity investment firm with a dedicated hospitality lending and investment vertical offering senior, bridge, and mezzanine debt to hotel owners. Closely comparable in vertical focus, product suite, and direct-to-borrower origination model.
- Eastdil Secured: Premier real estate investment bank specializing in debt placement, equity raises, and structured financing for hospitality and other CRE asset classes. Comparable as a large-ticket hotel capital intermediary with institutional counterparties.
- Meridian Capital Group: Independent commercial real estate finance firm arranging debt and equity for institutional and private hotel owners. Comparable as a non-bank CRE lender with hospitality specialization and direct-origination model.
- Lument: Commercial real estate capital markets firm providing debt and equity for multifamily, senior living, and hospitality assets. Comparable as a non-bank direct CRE lender with structured financing across the capital stack.
Broad incumbents
- Newmark Group: Global commercial real estate services firm with a capital markets practice that originates and places hotel debt and equity. Comparable in serving hotel owners and REITs but operates as a much broader CRE platform rather than a hospitality-exclusive lender.
- JLL (Jones Lang LaSalle) Hotels & Hospitality: Global real estate services firm with a dedicated Hotels & Hospitality group providing investment sales, debt placement, and equity advisory. Comparable in targeting institutional hotel capital needs, though only a part of JLL's full CRE platform.
- TPG Hotels & Resorts / TPG Real Estate: Alternative asset manager with a significant hospitality lending, equity, and operating platform. Comparable in deploying debt and equity across the hotel capital stack at institutional scale.
- Starwood Capital Group: Private investment firm deeply rooted in hotel ownership, lending, and brand operations. Comparable as a vertically integrated hotel capital provider with senior debt, mezzanine, and equity capabilities across the U.S.
- PGIM Real Estate: Global real estate investment manager within Prudential Financial that originates and services hotel mortgages, bridge loans, and structured debt. Comparable as a large institutional lender with active U.S. hospitality debt originations.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Access Point Financial social profiles
Digital presenceAccess Point Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access Point Financial leadership team
Management profileNumber of profiles
Profiles12 records
Access Point Financial funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access Point Financial M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Access Point Financial
What does Access Point Financial do?
Access Point Financial is a direct hotel capital provider and lender operating exclusively in the hospitality industry. It originates and services senior bridge loans, construction loans, permanent loans, CAPEX/PIP renovation loans, mezzanine loans, preferred equity, and participates in CMBS, SASB, and note purchases for hotel owners, operators, developers, and REITs.
Is Access Point Financial a public or private company?
Access Point Financial is a private company. It is classified as private equity controlled and is currently operating.
When was Access Point Financial founded?
Access Point Financial was founded in 2011. It employs 11 to 50 people.
Where is Access Point Financial based?
Access Point Financial is headquartered in Atlanta, United States, in the North America region.
How does Access Point Financial make money?
Five revenue lines are on record. Bridge Loans are the primary driver. The others are construction Loans, permanent Loans, mezzanine and Preferred Equity and CMBS and SASB Participation.
Who are Access Point Financial's main competitors?
Direct peers on record are Walker & Dunlop, Peachtree Group, Eastdil Secured, Meridian Capital Group and Lument. Broad incumbents are Newmark Group, JLL (Jones Lang LaSalle) Hotels & Hospitality, TPG Hotels & Resorts / TPG Real Estate, Starwood Capital Group and PGIM Real Estate.
Does Access Point Financial have an API?
No public API is recorded for Access Point Financial.
What industry is Access Point Financial in?
Access Point Financial's product category is Hospitality Commercial Lending. Its primary akta.pro industry code is FSANADAA, Senior Secured Direct Lending, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 52 and its SIC code is 6162.