Speed is Important. Certainty is Everything.

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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.

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 10.47%

  • 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.

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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