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Mezzanine & Structured Capital

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

​EBSC Lending provides mezzanine and structured solutions for qualified sponsors where the collateral, senior structure, and exit plan support risk-adjusted underwriting. At EBSC Lending, our mezzanine financing provides growth-oriented companies with the capital they need without diluting ownership or relinquishing control.

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: $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

  • 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. ​

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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