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!)

Fix & Flip Loans (Business-Purpose)

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

Investor margins have tightened in many markets, raising the importance of disciplined leverage and reliable execution. ATTOM reported that in Q3 2025, flips represented 6.8% of U.S. home sales and the typical ROI declined to 23.1%. In parallel, U.S. homeowner remodeling spend is projected to reach $524 billion in early 2026, highlighting ongoing demand for improvement activity even as underwriting standards remain selective.

EBSC Lending’s fix-and-flip program is designed for professional operators who need a responsive lender and a process that matches real-world renovation schedules, budgets, and exit timing.

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: $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

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.

Fix & Flip Loans (Business-Purpose)

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.