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!)

Mezzanine & Structured Capital

Flexible subordinate capital designed to complete the capital stack for acquisitions, recapitalizations, and transitional business plans.

As CRE capital stacks adjust to valuation resets and refinancing realities, structured capital has become an increasingly common tool to bridge sizing gaps or support business plans without forcing premature asset sales. CRE debt outstanding remains large—approximately $4.8 trillion (Q2 2025)—and near-term maturities continue to shape capital availability and pricing.

EBSC Lending provides mezzanine and structured solutions for qualified sponsors where the collateral, senior structure, and exit plan support risk-adjusted underwriting. We focus on clarity, enforceable documentation, and repeatable execution.

Program Highlights.

Loan Program Overview.

Capital designed to fill the gap between senior proceeds and total capitalization needs
Useful for acquisitions, refinances, and recapitalizations
Documentation-forward process aligned to institutional standards

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

Senior loan proceeds shortfall in acquisition/refi
Recapitalization to fund capex or repositioning
Timing bridge to a takeout event (sale/refi)
Working-capital needs tied to real estate operation

Requirements (What We Typically Need)

Senior loan terms and draft documents (or lender summary
Full sources/uses and capitalization structure
Property financials, rent roll, and business plan
Sponsor track record, liquidity, and SREO
Exit strategy 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.

Mezzanine & Structured Capital

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.