Speed is Important. Certainty is Everything.

top of page

Commercial Bridge Loan Program

EBSC Lending

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.

​EBSC Lending provides commercial bridge capital designed to help borrowers execute time-sensitive acquisitions, refinance maturing debt, reposition assets, or bridge to permanent financing. Commercial real estate bridge loans provide short-term financing that can bridge gaps between other payment or financing solutions.

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: $10,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 9.76%

  • 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. ​

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.

bottom of page