Speed is Important. Certainty is Everything.

top of page

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: $10,000,000.00 - $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. ​

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.

bottom of page