Speed is Important. Certainty is Everything.

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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. ​

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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