Our Team
Phone: (502) 648-8819
Email: alove@annexcapitalus.com
With a Finance and International Business degree from the University of Kentucky, Andy boasts over 10+ years of expertise as a residential mortgage loan originator and project manager at US Specialties. Additionally, he possesses hands-on experience in flipping homes and managing rental properties. Borrowers liaise with Andy, the designated contact, during the acquisition and renovation phases when funding is required for property rehabilitation
Phone: (502) 541-9408
Email: trey@annexcapitalus.com
Originally from Louisville, Kentucky, Trey pursued his education at the University of Kentucky. He has extensive experience in the construction industry, having worked as a laborer, assistant superintendent, and warranty manager. Trey boasts over 15 years of expertise in property ownership, management, value-add initiatives, and real estate flipping. Trey's duties involve prospecting for new clients, evaluating prospective properties, and confirming the completion of rehabilitation work before disbursing funds to borrowers
Phone: (502) 805-7608
Email: michelle@annexcapitalus.com
Michelle has been in the banking industry for 35 years. She has 10+ years of Hard Money Lending experience prior to joining Annex Capital. Excellent client service and attention to detail is her passion. Michelle provides a boutique style experience for all of our Annex Clients and has added tremendous support to Andy and Trey.
Andy and Trey strive on making the borrowing process as seamless as possible.
Backed by the power to fund deals quickly gives our clients the capability to have a leg up on the competition.
Our main goal is helping our clients build their business and to have a great experience doing it.
Born and raised in Louisville, Andy and Trey have always wanted to start a business with an emphasis on helping others. With over 10 years of experience in Conventional Financing, Property Management, and Property Rehabilitation, we are here to help you fund the right deals.
Backed by a strong foundation and personal experience in the business.
Frequently Asked Questions
Who do you lend to?
We do not lend to individuals. We only lend to business entities, i.e. LLC’s.
What types of loans do you offer?
We offer short term loans to fund the purchase and renovation of 1-4 unit properties. Down payments range from 10-20% dependent on each property and case.
What kinds of rates do you offer?
We are not a traditional bank so our rates are usually higher. We do not qualify you, like a bank, so if the numbers work, we make the deal work. We will analyze each individual case and determine our terms accordingly.
Will you pay for improvement costs?
We will finance 100% of improvement cost up to 75% of an ARV appraisal. Draws are distributed 24-48 hours after a request has been made.
How long are the terms of your loans?
Typically 12 Months.
Are there monthly payments?
We allow our borrowers up to 3 months to complete their project before monthly payments come due. After three months borrowers will make monthly, interest only, payments for the remainder of the loans term.