Speed is Important. Certainty is Everything.

Multifamily Bridge Loans | EBSC Lending
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Multifamily Bridge Loans (5+ Units)

EBSC Lending

Transitional financing for acquisitions and refinances—supporting value-add, lease-up, and stabilization strategies.

Our 5+ Units, Multi Family bridge loans enable the execution of value add strategies. ​EBSC Lending provides multifamily bridge capital for experienced sponsors seeking speed, certainty, and a lender that understands operational transition—renovations, lease-up, and NOI expansion.

Program Highlights.

Loan Program Overview.

  • 5+ unit properties: acquisitions, refinances, recapitalizations

  • Designed for value-add, operational improvements, and stabilization

  • Interest-only structure aligned to business-plan execution

  • Asset-based underwriting with sponsor and operations review
     

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

  • Bridge-to-agency execution after stabilization

  • Renovation + repositioning strategies

  • Refinance of maturing debt with a defined takeout plan

 

Requirements (What We Typically Need)

  • Rent roll, T-12, trailing financials, and pro forma

  • Capex plan and renovation schedule (if applicable)

  • Market summary and comps

  • 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.

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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