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!)

Commercial Bridge Loan Program

Fast, flexible bridge financing for acquisitions, refinances, cash-out, and transitional business plans. EBSC Lending delivers certainty of execution with an asset-based approach, interest-only structures.

Commercial real estate owners continue to navigate refinancing and transition risk in a market defined by higher cost of capital and elevated maturity volumes. The Mortgage Bankers Association reported $957 billion of outstanding commercial mortgages maturing in 2025, underscoring the importance of flexible bridge solutions. Trepp also reported total CRE debt outstanding of approximately $4.8 trillion (Q2 2025) and significant near-term maturities across lender types.

EBSC Lending provides commercial bridge capital designed to help borrowers execute time-sensitive acquisitions, refinance maturing debt, reposition assets, or bridge to permanent financing. Our underwriting emphasizes collateral strength, sponsor capability, and a defined path to stabilization or takeout.

Program Highlights.

Loan Program Overview.

Bridge financing for purchase, refinance, cash-out, and transitional plans.
Designed for speed, certainty, and execution
Asset-based approach with business-plan validation.
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

Refinance to address a maturity event
Acquisition bridge with quick close requirements
Value-add execution bridge during repositioning
Bridge-to-agency or bridge-to-sale strategy

Requirements (What We Typically Need)

Executive summary + sources/uses
Rent roll, T-12/operating statements, and pro forma
Property photos, OM/appraisal (if available), and capex plan
Exit strategy (sale, refi, permanent takeout) and timeline
Sponsor bio, track record, liquidity, and SREO
Exit plan and timeline (refi/sale)
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.

Commercial Bridge Loan Program

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.