About Apex Commercial Finance

Apex Commercial Finance is an independent specialist consultancy focused exclusively on commercial and property finance — supporting businesses, investors, and developers across York, Yorkshire, and the wider UK.

The commercial side of the business is led by Joshua Papa BSc, who brings over 20 years of hands-on experience in the finance and property industries. That depth of knowledge means we understand exactly how lenders think — and how to structure a deal that gets approved.

We work with an extensive panel of over 250 specialist and private lenders, giving clients access to funding opportunities simply not available through the high street. Whether you're an established investor or approaching a complex commercial transaction for the first time, we deliver structured solutions that work.

Access to 250+ Lenders

We open doors that traditional banks can't, including specialist and private lenders unavailable on the high street.

Independent & Impartial Advice

Straightforward, honest guidance with no bias towards any lender. We work for you — not the banks.

Funding Where Others Fail

We specialise in complex and challenging cases where high street banks typically decline.

Speed & Efficiency

Quick initial assessment, fast decisions, and rapid completion to meet time-sensitive requirements.

No Upfront Fees

Our fee structure is completely transparent and success-based. You only pay once funding is secured.

Fully Managed Process

We handle everything from initial assessment to completion — allowing you to focus on your business or project.