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!)

Hard Money Loans (Nationwide)

Broker Partner Program with EBSC Lending. Submit deals nationwide for $5M–$100M loans with fast 10–20 day closings. Partner with a direct private lender.

Fast, asset-based financing for time-sensitive acquisitions and refinances—built for investors and operators who prioritize certainty of close, streamlined underwriting, and execution speed.

Hard money lending remains a core segment of private lending—particularly for transactions requiring rapid timelines, transitional execution, or collateral-driven underwriting. In 2025 rankings, leading U.S. private lenders reported multi-billion-dollar annual origination volumes across bridge/term products, reinforcing the depth and consistency of the private-lender market.

EBSC Lending’s Hard Money Loan Program is designed for qualified borrowers seeking short-term, interest-only financing for acquisitions, refinances, and transitional strategies—where the collateral, plan, and sponsor profile support a clear path to repayment.

Program Highlights.

Loan Program Overview.

Nationwide lending with a direct-lender execution model
Asset-based underwriting focused on collateral strength and a defined exit plan
Ideal for time-sensitive closings and transitional scenario
Interest-only structure designed to support business-plan execution
Clear, documentation-forward process designed for repeat investors and operators

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

Auction or quick-close acquisitions
Refinance of maturing private debt or short-term obligations
Bridge-to-sale or bridge-to-permanent financing strategies
Transitional repositioning (light value-add, lease-up, operational improvements)
Cash-out recapitalizations where supportable by collateral and plan

Requirements (What We Typically Need)

Executive summary + sources/uses + requested timing
Property details (address, type, photos) and valuation support (OM/appraisal/BPO if available)
Rent roll and trailing financials (if income-producing)
Borrower profile: sponsor bio, track record, liquidity, and SREO
Entity docs and ownership structure
Exit strategy and timeline (sale, refi, or stabilization takeout)
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.

Hard Money Loans (Nationwide)

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.