Speed is Important. Certainty is Everything.

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Fix & Flip Loans (Business-Purpose)

EBSC Lending

Short-term renovation financing for investors acquiring and improving residential assets—structured for draws, speed, and defined exits.

EBSC Lending’s fix-and-flip program is designed for operators who need a responsive lender and a process that matches  renovation schedules, budgets, and exit timing. Our fix and flip loans are designed to empower real estate investors with the resources needed to purchase properties, fund renovations, and resell for maximum

Program Highlights.

Loan Program Overview.

  • Business-purpose financing for acquisition + rehab

  • Draw-based structures aligned to renovation milestones

  • Fast underwriting focused on asset, budget, and execution plan

  • Designed for investors with a clear sale or refinance strategy

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

  • SFR/condo acquisitions with value-add scope

  • Portfolio flip strategies with repeat execution

  • Refi of an existing renovation facility to complete and exit

 

Requirements (What We Typically Need)

  • Purchase contract and property details

  • Full rehab budget, scope, and timeline

  • Comps/ARV support and exit plan

  • Sponsor experience, liquidity, SREO, and entity docs

  • ​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.

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.

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