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Ground-Up Construction Loan Program.

EBSC Lending

Short-term, asset-based construction financing for developers and investors building residential or commercial projects—designed for speed, certainty, and draw-driven execution.

​​EBSC Lending provides ground-up construction capital with a streamlined process built around asset value, feasibility, sponsor capability, and a clear takeout strategy. Our Ground Up Construction Loan product is a quick, smart and effective alternative for financing construction costs prior to transitioning into a long-term

Program Highlights.

Loan Program Overview.

  • Nationwide direct lender approach focused on certainty of close

  • Ground-up construction for residential, multifamily, mixed-use, and select commercial use cases

  • Draw-based funding aligned to construction milestones

  • Asset-based underwriting with pragmatic sponsor and project-level review

  • Time-sensitive execution for shovel-ready and permit-ready project.

Standard Loan Terms.

  • Loan Amount Range: $5,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 9.76%

  • Term: 12–60months

  • Payments: Interest Only with balloon at maturity.

  • Prepayment Penalty: None

  • Amortization: Interest Only.

​Typical Use Cases

  • Site acquisition + vertical construction

  • RTI/permit-ready starts and rapid mobilizations

  • 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

  • Purchase contract (if applicable) and title/vesting details

  • Full budget (hard/soft), construction schedule, and draw plan

  • Plans, permits/entitlements status, GC details, and bid set

  • Exit strategy (sale, refi, permanent takeout) and timeline

  • Sponsor track record, liquidity, SREO, and entity documents

  • ​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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