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Real Estate Secured Line of Credit (Business-Purpose)

Flexible access to capital for acquisitions, improvements, and time-sensitive opportunities—structured for speed and repeat use.

EBSC Lending structures real estate secured lines for qualified borrowers seeking a repeatable source of capital without restarting the entire process for every opportunity. Our lines of credit to help your business navigate unexpected expenses and help keep your day-to-day operations running.

Program Highlights.

Loan Program Overview.

  • Revolving access to capital for qualified borrowers

  • Useful for bridge timing gaps, deposits, renovations, and acquisitions

  • Asset-based underwriting focused on collateral and borrower profile

  • Designed for repeat execution and speed

Standard Loan Terms.

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

  • Purchase deposits and quick-close opportunities

  • Renovation capital prior to stabilization

  • Short-duration bridge needs between sale/refi events

  • Working-capital needs tied to real estate operation

 

Requirements (What We Typically Need)

  • Borrower and entity profile, liquidity, and SREO

  • Collateral schedule (owned properties or target collateral)

  • Statement of intended use and draw expectation

  • Exit/repayment plan and timeline

  • ​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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