Is EBSC Lending a Private Lender?

Yes, we are direct lenders. We fund in-house.

Hey EBSC Lending, should I turn my basement into a movie theater?

Well, perhaps, but only if you promise to put a popcorn machine down there. Oooo and mini fridge if possible!

What kind of real estate loans do you offer?

EBSC Lending finances real estate investments. We offer customized lending solutions for real estate investors and developers.

What is the first step?

Fill out the one-minute application and get a soft quote in 24 to 48 hrs. After that, a representative will reach out and guide you through the process and requirements to close.

What interest rates and loan terms does EBSC Lending offer?

Our interest rates typically range from 9.39% to 12.39%, with loan terms spanning from 12 to 60 months.

Is there a prepayment penalty?

There is no prepayment penalty.

Are personal guarantees required?

In most cases no. However, depending on the area and LTV, it can be evaluated.

What are the loan types?

All Types, Acquisition, Bridge, Construction, Development, First Mortgage, Fixed-Rate, Hard Money, Institutional Line of Credit, Mezzanine, Mini-Perms, Participating Mortgage, Permanent, Refinance, Fix & Flip Loans, Rental, Other uses depending on borrower’s specific needs.

What are the closing costs for a loan with EBSC Lending?

Typically, EBSC Lending charges between 1-5 points for origination costs.

What is the average closing time?

We typically take 3-5 days to issue a commitment letter. After approval, the average time to close is 10 to 20 days and time can vary on commercial properties depending on appraisal, title, and environmental conditions.

Do you lend to individuals?

At EBSC Lending, we can lend to individuals. However, most of our deals are closed under an entity (Corp, LLC, INC, etc). These are investment loans, intended for real estate investments purposes.

Cheeseburger, chicken sandwich, or protein shake?

Cheeseburger, without a doubt (& get me one please!)

C-PACE Capital Solutions (Bridge + Placement Support)

Short-term, interest-only bridge capital to fund eligible improvements and position projects for C-PACE execution where available.

Energy and resiliency upgrades remain a major theme in commercial real estate capital planning. C-PACE continues to expand at the state and municipal level, with published 2024 program volume data showing broad national adoption and multi-billion-dollar cumulative market activity.

At the same time, CRE capital stacks are increasingly shaped by refinancing pressure and lender selectivity—supporting bridge solutions that can move quickly while borrowers finalize longer-duration capital.

EBSC Lending provides short-term capital to support eligible project costs and timing needs, while coordinating documentation and third-party requirements that C-PACE execution often requires.

Program Highlights.

Loan Program Overview.

Bridge capital aligned to energy efficiency, renewable, and resiliency project scopes
Structured to support time-to-close and project mobilization
Useful for borrowers coordinating multiple stakeholders and approvals
Structured for stabilization, lease-up, light value-add, and recapitalization

Standard Loan Terms.

Loan Amount Range: $5,000,000.00 - $100,000,000.00
Interest Rate: Starting from 8.75%
Term: 12– 36 months
Payments: Interest Only with balloon at maturity.
Prepayment Penalty: None
Amortization: Interest Only.

Typical Use Cases

Pre-funding eligible improvements while aligning C-PACE execution
Refinance/recap to free up capital for sustainability upgrades
Transitional capital while finalizing senior/permanent capital timing

Requirements (What We Typically Need)

Project scope, engineering/energy report (if available), and contractor bids
Sources/uses and cap stack plan
Property financials and ownership/entity documents
Sponsor bio, liquidity, and SREO
Execution timeline and repayment plan
Complete the loan application form available at https://www.ebsc-llc.com/applynow

Origination Points / Deposit Policy.

Origination points are 1–5 points, typically due upfront when the Commitment Letter/Fee Letter is executed (prior to closing). Points vary by loan type, size, and term and cover underwriting, processing, legal, third-party reports (appraisal/environmental), and diligence costs. Fees are non-negotiable; no escrows and not deducted from proceeds—requests to do so are automatic disqualification. If the loan does not fund, the deposit is refunded

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

C-PACE Capital Solutions (Bridge + Placement Support)

Loan Program Overview.

Standard Loan Terms.

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

Get in Touch.