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!)

Cannabis Real Estate & Business-Purpose Loans

Asset-based lending for licensed cannabis operators and real estate owners—structured for speed, discretion, and execution.

Cannabis financing remains specialized due to regulatory complexity and uneven bank participation, which has reinforced the importance of private credit in the sector. In parallel, private credit overall continues to scale—supporting niche, asset-secured opportunities where underwriting is experience-driven and documentation standards are rigorous.

EBSC Lending provides business-purpose, asset-based capital for qualified cannabis-related transactions where the real estate and cash-flow profile support a clear path to repayment. We focus on borrower quality, collateral strength, compliance readiness, and conservative structuring to support stability through market cycles.

Program Highlights.

Loan Program Overview.

Financing for owner-occupied and non-owner occupied cannabis real estate (where permitted
Acquisition, refinance, and recapitalization scenario
Underwriting emphasis on collateral, licensing, compliance readiness, and sponsor capability.
Discreet, documentation-forward process designed for complex stakeholders

Standard Loan Terms.

Loan Amount Range: $5,000,000.00 - $100,000,000.00
Interest Rate: Starting from 8.75%
Term: 12–60 months
Payments: Interest Only with balloon at maturity.
Prepayment Penalty: None
Amortization: Interest Only.

Typical Use Cases

Dispensary or cultivation real estate acquisition/refinance
Facility improvements tied to compliance, buildouts, or expansion
Refinance of an existing construction facility to complete, stabilize, or reposition
Sponsor expansion into new markets with institutional-grade reporting

Requirements (What We Typically Need)

Executive summary + sources/uses + cap stack
Entity docs + ownership chart + key principals
Licensing status, jurisdiction details, and compliance materials
Property details, rent roll (if applicable), and operating history
Bank statements, liquidity, and sponsor SREO
Exit strategy 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.

Cannabis Real Estate & Business-Purpose Loans

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.