Speed is Important. Certainty is Everything.

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EBSC Lending - Insights.

EBSC Lending
California commercial real estate moves quickly. Whether a borrower is acquiring a property, refinancing maturing debt, recapitalizing an asset, completing a value-add plan, or bridging to permanent financing, timing can determine whether a transaction succeeds or fails. Traditional financing is not always built for speed, complexity, or transitional real estate. Many bank and institutional lenders require stabilized cash flow, lengthy credit committee processes, and multiple layers of review before issuing a final approval. For borrowers working against a closing deadline, maturity date, seller requirement, or repositioning plan, that process may not fit the transaction. EBSC Lending provides commercial bridge loans in California for real estate investors, developers, owners, and sponsors who need private capital with speed, structure, and certainty of execution. What Is a Commercial Bridge Loan? A commercial bridge loan is short-term real estate financing used to bridge a gap between an immediate capital need and a longer-term exit strategy. The exit may be a refinance, sale, agency loan, bank loan, construction loan, permanent debt placement, recapitalization, or completed stabilization of the asset. Bridge loans are commonly used when the property or transaction is not yet ready for conventional financing. That may be because the asset is under-occupied, undergoing renovation, being acquired under a tight timeline, carrying maturing debt, or requires additional time for lease-up, repositioning, entitlement, or operational improvement. The purpose of a bridge loan is not simply to provide debt. It is to give the borrower time and capital to execute a defined business plan. Common Uses for Commercial Bridge Loans in California California borrowers use commercial bridge financing across a wide range of transaction types. Common use cases include: Acquisition bridge financing. Borrowers may need to close quickly on a commercial property where the seller requires certainty, speed, or a shorter escrow period. Refinance of maturing debt. A bridge loan can help address an upcoming loan maturity when permanent financing is not yet available or when the borrower needs more time to stabilize the asset. Cash-out refinance. Sponsors may seek to unlock equity from an existing property to support another acquisition, complete improvements, or restructure capital. Value-add execution. Bridge capital may be used while a borrower completes renovations, improves operations, increases rents, addresses deferred maintenance, or enhances property performance. Lease-up and stabilization. Properties that are not yet stabilized may require short-term capital until occupancy, NOI, and operating history support a permanent loan. Bridge-to-sale or bridge-to-permanent financing. Borrowers may use a bridge loan to carry the property through a sale process or position the asset for long-term debt. Commercial Bridge Loans in California Why California Bridge Loans Require the Right Lender California is one of the most competitive and complex commercial real estate markets in the country. Property values are high, timelines are often compressed, and borrowers may need a lender that understands transitional assets, business plans, and real estate-driven underwriting. A strong bridge lender must be able to evaluate more than historical cash flow. The lender must understand the property, market, collateral, sponsorship, sources and uses, exit plan, and practical path to repayment. EBSC Lending uses an asset-based approach with business-plan validation. That means the review focuses on the real estate, the borrower’s execution plan, the requested structure, and the viability of the exit strategy. EBSC Lending’s Commercial Bridge Loan Parameters EBSC Lending’s commercial bridge loan program is designed for larger commercial real estate transactions where speed, structure, and execution matter. Typical commercial bridge loan parameters include: Loan amounts from $10,000,000 to $100,000,000 Terms generally ranging from 12 to 36 months Interest-only payments with a balloon at maturity Commercial bridge financing for purchase, refinance, cash-out, and transitional plans No prepayment penalty Asset-based underwriting with business-plan validation Structures for stabilization, lease-up, light value-add, recapitalization, bridge-to-sale, or bridge-to-refinance strategies All loan terms are subject to underwriting, due diligence, property review, market conditions, sponsorship, leverage, title, valuation, legal review, and final approval. What EBSC Looks For in a California Bridge Loan Request A bridge loan request must tell a clear story. The stronger and more organized the initial package, the faster a lender can evaluate the opportunity. For an initial review, EBSC typically needs: An executive summary Sources and uses Current rent roll, if income-producing T-12 or operating statements Pro forma and stabilization assumptions Property photos Offering memorandum or appraisal, if available Capital improvement or renovation plan, if applicable Exit strategy and timeline Sponsor bio, track record, liquidity, and schedule of real estate owned Current debt information, payoff statement, or maturity details if refinancing Purchase contract or LOI if acquisition financing is requested A bridge loan request should answer three core questions: What is the collateral, what is the business plan, and how will the loan be repaid? The Importance of Exit Strategy Exit strategy is one of the most important components of any commercial bridge loan. A lender needs to understand how the borrower expects to repay the loan at maturity. Common exit strategies include: Sale of the property Refinance into permanent debt Agency takeout Bank refinance Stabilized cash-flow refinance Completion of lease-up or value-add plan Recapitalization with new equity or debt Portfolio sale or refinance A bridge loan should not rely on vague expectations. The borrower should be able to show a practical timeline, realistic assumptions, and a credible path to repayment. Why Borrowers Choose Private Bridge Capital? Borrowers often pursue private commercial bridge financing when conventional debt is too slow, too rigid, or unavailable for the current stage of the asset. Private bridge capital may be appropriate when: The closing timeline is compressed The property is transitional The asset is not yet stabilized The borrower needs a lender that can evaluate collateral quickly The deal has a clear exit but does not fit a bank’s current box The borrower needs acquisition, refinance, or cash-out capital with fewer institutional delays The sponsor wants a short-term solution before permanent financing For many California real estate investors, the cost of bridge capital is weighed against the cost of missing the transaction, losing control of the asset, or being forced into an unfavorable sale or refinance. EBSC Lending’s Direct Lender Advantage EBSC Lending is a direct private lender providing customized real estate financing solutions for investors and developers. EBSC’s process is built around speed, certainty, and practical real estate underwriting. Because EBSC handles processing, underwriting, and closing in-house, borrowers and brokers can work directly with a lender that understands the transaction from intake through closing. This can be especially important in bridge lending, where delays, unclear terms, or excessive approval layers can create execution risk. For California borrowers working on larger commercial real estate transactions, EBSC Lending can evaluate bridge loan opportunities involving acquisition, refinance, value-add, lease-up, recapitalization, and other time-sensitive capital needs. When a Commercial Bridge Loan May Not Be the Right Fit Bridge financing is not appropriate for every borrower or every property. A bridge loan may not be the right structure if there is no clear exit strategy, insufficient equity, unrealistic valuation assumptions, incomplete sponsorship information, unresolved title or legal issues, or a business plan that cannot be supported by market data. A strong bridge loan request should be specific, organized, and supported by documentation. Borrowers should be prepared to explain the transaction, timeline, collateral, use of proceeds, current property condition, and repayment strategy. How to Submit a Commercial Bridge Loan Request to EBSC Lending Borrowers and brokers seeking a California commercial bridge loan should submit a complete loan application and provide the available deal materials for review. At minimum, the submission should include the property address, requested loan amount, transaction type, purchase price or current value, existing debt, sources and uses, rent roll, financials, sponsor background, and proposed exit strategy. Once received, EBSC Lending can review the file internally and provide preliminary feedback based on the property, business plan, leverage, timeline, and available documentation. Commercial Bridge Loans in California with EBSC Lending Commercial bridge loans are designed for borrowers who need short-term capital to move a real estate transaction forward. In California, where timing, value, and execution can determine the outcome of a deal, having the right private lender matters. EBSC Lending provides commercial bridge financing for larger real estate transactions throughout California and nationwide. Whether the request involves an acquisition, refinance, cash-out, value-add plan, lease-up strategy, or bridge-to-permanent financing, EBSC focuses on practical underwriting, asset-based analysis, and certainty of execution. To begin the review process, submit a loan application through EBSC Lending and provide the available deal package for preliminary review. EBSC Lending Website: https://www.ebsc-llc.com/ Application: https://www.ebsc-llc.com/applynow Phone: (949) 229-6155

Commercial Bridge Loans in California: Fast Private Capital for Time-Sensitive Real Estate Transactions.

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Borrowers searching for Bank of America commercial real estate loans are often evaluating whether a traditional bank loan, SBA financing, or private real estate loan is the right fit for their transaction. For many borrowers, bank financing can be an appropriate solution. Banks may offer competitive pricing, structured underwriting, and long-term financing options for qualified borrowers, especially when the property is stabilized, the borrower has strong credit and financial history, and the transaction fits conventional lending guidelines. However, not every commercial real estate transaction fits a traditional bank or SBA lending process. Larger investment-purpose transactions, transitional assets, time-sensitive closings, construction projects, land loans, cannabis-related properties, special-use properties, and complex borrower structures may require a different financing approach. That is where a direct private real estate lender such as EBSC Lending may be a more relevant option. Compare Bank of America commercial real estate loans with EBSC Lending’s direct private real estate financing for larger, time-sensitive, investment-purpose transactions nationwide. When Bank Financing May Be the Right Fit. A traditional bank loan may be appropriate when the borrower has a strong financial profile, stable cash flow, sufficient operating history, and enough time to complete a conventional underwriting process. Bank financing may be a good fit for: Owner-occupied commercial real estate Stabilized income-producing properties Borrowers with strong credit and financial documentation Lower-leverage transactions Longer-term financing needs SBA-eligible business-purpose real estate transactions Properties with predictable cash flow and clear repayment capacity Bank of America, like many large financial institutions, offers commercial real estate and SBA financing options for qualified borrowers. These programs may work well when the borrower and property meet bank underwriting requirements. For some borrowers, a bank loan is the best path. For others, the transaction may require more speed, flexibility, or asset-based structuring than a conventional bank process can provide. When Private Real Estate Lending May Be a Better Fit Private real estate lending is often used when a transaction does not fit neatly within traditional bank guidelines or when timing is a major factor. A private real estate loan may be a better fit when: The borrower needs to close quickly. The transaction is investment-purpose rather than owner-occupied. The property is transitional, under construction, or being repositioned. The asset does not yet have stabilized income. The borrower needs bridge financing before a sale, refinance, lease-up, entitlement, or stabilization. The requested loan amount exceeds typical small business or SBA loan limits. The transaction involves land, construction, cannabis real estate, assisted living, or another specialized property type. The borrower needs a customized structure based on collateral value, use of proceeds, and exit strategy. EBSC Lending provides direct private real estate financing for qualified borrowers, brokers, investors, developers, sponsors, and originators nationwide. EBSC generally reviews larger loan opportunities from $10 million to $100 million, with flexible private lending programs designed for investment-purpose real estate transactions. EBSC Lending’s Private Real Estate Loan Programs EBSC Lending may review qualified transactions involving: Commercial bridge loans Ground-up construction loans Acquisition financing Refinance and cash-out refinance loans Multifamily bridge loans Land and development financing Cannabis real estate loans Assisted living facility loans Mezzanine financing Second-position financing C-PACE financing Rental investment property loans Special-use real estate loans EBSC Lending evaluates each transaction based on collateral value, sponsor strength, leverage, valuation support, use of proceeds, repayment strategy, exit plan, property type, market position, and overall execution feasibility. Bank of America vs. EBSC Lending: Understanding the Difference The primary difference between a traditional bank such as Bank of America and a private real estate lender such as EBSC Lending is the type of transaction each platform is generally designed to serve. Bank financing may be better suited for conventional borrowers, stabilized assets, owner-occupied properties, SBA-qualified businesses, and long-term financing needs. EBSC Lending may be better suited for larger private real estate transactions requiring speed, flexibility, asset-based underwriting, bridge capital, construction financing, acquisition capital, refinance proceeds, or customized financing structures. This does not mean one option is universally better than the other. The right financing source depends on the borrower, the property, the loan amount, the timeline, the use of proceeds, and the overall transaction profile. Why Borrowers Compare Bank Loans With Private Lenders Many borrowers begin by exploring bank financing because banks are familiar, widely recognized, and often associated with lower interest rates. However, bank financing may not always be available, practical, or timely for every real estate transaction. Borrowers and brokers may compare bank loans with private lenders when: The transaction is too large or complex for a standard small business loan. The borrower needs faster execution. The property is not fully stabilized. The collateral is transitional or under development. The borrower needs cash-out proceeds. The project requires construction, redevelopment, or repositioning capital. The transaction involves a property type that traditional banks may review more conservatively. The borrower needs a short-term bridge loan before permanent financing. For these scenarios, private lending can provide a more direct and flexible path. EBSC Lending as a Direct Private Lending Alternative EBSC Lending is a direct private real estate lender focused on larger investment-purpose real estate transactions nationwide. EBSC is not a loan marketplace and does not position itself as a traditional bank substitute for every borrower. Instead, EBSC provides private lending solutions for qualified real estate transactions where the borrower may need speed, certainty of execution, flexible underwriting, and a lender capable of reviewing complex collateral and transaction structures. EBSC Lending may be especially relevant for borrowers, brokers, developers, investors, sponsors, and originators seeking financing for: Bridge-to-sale strategies Bridge-to-refinance strategies Construction and development projects Large acquisition opportunities Cash-out refinance transactions Land and entitlement transactions Special-use real estate Cannabis-related real estate Assisted living facilities Multifamily and mixed-use assets Time-sensitive closing requirements All loans remain subject to underwriting, valuation support, diligence, approval, legal documentation, and satisfaction of closing conditions. Apply With EBSC Lending If you are comparing Bank of America commercial real estate loans with private real estate lending options, EBSC Lending can review your transaction directly. Borrowers, brokers, investors, developers, sponsors, and originators may submit a loan request through EBSC Lending’s online application. Apply online: https://www.ebsc-llc.com/applynow Frequently Asked Questions Does Bank of America offer commercial real estate loans? Yes. Bank of America offers commercial real estate and business financing options for qualified borrowers, including certain commercial real estate and SBA financing programs. Borrowers should review Bank of America’s current lending requirements directly to determine eligibility. Is Bank of America a private real estate lender? No. Bank of America is a bank and financial institution. A private real estate lender, such as EBSC Lending, typically provides non-bank real estate financing based on collateral value, sponsor strength, use of proceeds, leverage, repayment strategy, and overall transaction structure. What is the difference between a bank commercial real estate loan and a private real estate loan? A bank commercial real estate loan usually follows conventional bank underwriting, credit, income, and documentation requirements. A private real estate loan may offer more flexible structuring and may place greater emphasis on collateral, sponsor strength, valuation support, use of proceeds, exit strategy, and timing. When should a borrower consider a private lender instead of a bank? A borrower may consider a private lender when the transaction is time-sensitive, transitional, construction-related, non-bankable, investment-purpose, or too complex for a conventional bank process. Private lending may also be useful for bridge loans, acquisition financing, land loans, cash-out refinances, cannabis real estate, and special-use properties. Can EBSC Lending finance deals that banks may not? EBSC Lending may review larger, more complex, time-sensitive, transitional, or non-bankable real estate transactions. This may include bridge loans, construction loans, acquisition loans, land loans, cannabis real estate loans, assisted living facility loans, mezzanine financing, and special-use real estate loans. All loans are subject to underwriting and final approval. What loan sizes does EBSC Lending review? EBSC Lending generally reviews qualified loan opportunities from $10 million to $100 million. Is EBSC Lending affiliated with Bank of America? No. EBSC Lending is not affiliated with, endorsed by, sponsored by, or connected to Bank of America, N.A., Bank of America Corporation, or any of their affiliates. Bank of America is referenced for informational and comparison purposes only.

Bank Commercial Real Estate Loans vs. Private Real Estate Financing.

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Direct Private Real Estate Lending | EBSC Lending. What Is Direct Private Real Estate Lending? Direct private real estate lending provides business-purpose capital for investors, developers, sponsors, brokers, and originators seeking financing outside the traditional bank lending process. Unlike conventional lending, which may depend heavily on strict credit boxes, bank committee timelines, or standardized property criteria, private real estate lending is often structured around collateral value, borrower strength, transaction purpose, timing, and exit strategy. For many investment-purpose real estate transactions, speed and certainty matter. Borrowers may need to acquire a property quickly, refinance a maturing loan, complete construction, fund a value-add plan, recapitalize an asset, or close before permanent financing is available. In these situations, a direct private lender can provide a more flexible path than a conventional bank. EBSC Lending provides direct private real estate financing for qualified investment-purpose real estate transactions nationwide. EBSC Lending reviews eligible transactions in-house and provides customized lending solutions for real estate investors, developers, sponsors, brokers, and originators seeking reliable execution, flexible underwriting, and access to private capital. Direct Lender vs. Broker: Why the Difference Matters One of the first questions borrowers and brokers should ask is whether a lender is a true direct lender or a broker. A direct lender issues terms, underwrites the transaction, and provides or controls the capital used to fund the loan. A broker generally shops the loan request to third-party lenders and does not directly control the lending decision or capital source. This distinction matters because borrowers seeking execution need to know whether the party reviewing the file has authority to approve, structure, and fund the loan. A direct private lender can often provide a clearer path from application to underwriting, commitment, documentation, and closing. EBSC Lending operates as a direct private lender and reviews qualified loan opportunities internally. EBSC does not position itself as a marketplace or loan broker. What Types of Loans Do Private Real Estate Lenders Offer? Private real estate lenders may finance a wide range of investment-purpose property transactions. The available structure depends on the lender’s capital source, risk appetite, collateral type, loan amount, sponsor profile, and exit strategy. EBSC Lending reviews eligible loan opportunities across multiple real estate financing programs, including: Acquisition financing Assisted living facility loans Cannabis real estate loans Commercial bridge loans C-PACE financing Fix-and-flip loans Ground-up construction loans Hard money loans Land and development financing Mezzanine financing Mixed-use property loans Multifamily bridge loans Real estate secured lines of credit Refinance and cash-out refinance loans Rental investment property loans Second-position financing Special-use real estate loans Value-add real estate loans All loan requests remain subject to underwriting, collateral review, valuation support, borrower and sponsor review, title, due diligence, legal documentation, and final approval. Private Lending, Hard Money, and Bridge Lending. The terms private lender, hard money lender, and bridge lender are often used together, but they are not always identical. A private lender is a non-bank lender that provides capital for real estate transactions using more flexible underwriting than traditional institutions. A hard money lender is usually a type of private lender that places significant emphasis on collateral value and short-term execution. A bridge lender provides short-term financing that helps a borrower bridge a timing gap, such as acquiring a property before stabilization, refinancing before sale, or completing improvements before permanent debt is available. EBSC Lending provides private real estate financing with bridge, construction, refinance, acquisition, and structured lending solutions for qualified investment-purpose transactions. How Fast Can a Private Real Estate Loan Close Private real estate lenders can often move faster than traditional banks because the underwriting process may be more asset-based and less dependent on standardized bank credit requirements. However, closing speed still depends on file readiness. A private loan can only move quickly when the borrower or broker provides complete and accurate information. Title, valuation support, legal documentation, third-party reports, entity documents, borrower financials, and closing conditions all affect timing. EBSC Lending can target closings in approximately 10 to 20 days when the file is complete, collateral is supportable, title is clean, and all underwriting and closing conditions are satisfied. Loan Amounts, Leverage, Rates, and Terms Private real estate loan amounts vary by lender, property type, collateral value, leverage, borrower strength, and repayment strategy. Some lenders focus on smaller residential investment loans, while others focus on larger middle-market or commercial real estate opportunities. EBSC Lending generally focuses on larger investment-purpose real estate loans ranging from $10 million to $100 million. The final supportable loan amount depends on collateral value, loan-to-value, loan-to-cost, income, project budget, borrower experience, liquidity, repayment plan, and overall underwriting. Private lenders commonly evaluate leverage using LTV and LTC. Loan-to-value, or LTV, compares the loan amount to the property’s value. Loan-to-cost, or LTC, compares the loan amount to total project cost, which may include acquisition, construction, soft costs, and other approved project expenses. EBSC Lending may consider leverage up to 85% LTV, subject to underwriting, collateral support, borrower strength, project feasibility, and exit strategy. Actual leverage may be lower depending on the transaction. EBSC Lending’s rates generally start from approximately 9.76%, with points and fees determined by loan structure, collateral risk, due diligence requirements, execution timeline, and transaction complexity. Interest-Only Loan Structures and Balloon Payments Many private real estate loans are structured as interest-only loans. This can be useful for bridge, construction, acquisition, refinance, and transitional real estate transactions where the borrower is executing a business plan before sale, stabilization, or permanent refinancing. In an interest-only loan, the borrower typically pays interest during the loan term and repays the principal balance at maturity. This final principal repayment is commonly referred to as a balloon payment. Because many private real estate loans are short-term, the exit strategy is critical. Borrowers should understand how the loan will be repaid before entering into the transaction. EBSC Lending commonly structures loans on an interest-only basis, subject to underwriting and final loan documentation. Why Exit Strategy Is Critical An exit strategy is the borrower’s plan to repay the loan. Common exit strategies include sale, refinance into permanent debt, construction completion, lease-up and stabilization, recapitalization, capital raise, or payoff from another transaction. Private lenders place significant weight on exit strategy because many private loans are short-term and require repayment at maturity. A strong collateral position alone may not be enough if the borrower cannot demonstrate a realistic repayment plan. EBSC Lending reviews whether the proposed exit strategy aligns with the requested term, property type, project timeline, market conditions, sponsor capability, and overall transaction structure. What Documents Are Needed for a Private Real Estate Loan? A lender-ready file should be organized, complete, and consistent. The stronger the initial package, the faster a lender can determine whether the transaction fits its parameters. Common documentation may include: Completed loan application Executive summary Property address and collateral description Requested loan amount and use of proceeds Purchase agreement, payoff statement, or refinance request Current debt information Rent roll and leases, if applicable Trailing financials or operating statements Construction budget or capex budget, if applicable Plans, permits, zoning status, or entitlement information Sponsor background and track record Borrower financial statement and liquidity support Entity documents and ownership structure Valuation support Appraisal, broker opinion of value, or market analysis, if available Exit strategy EBSC Lending reviews the full package to determine whether the transaction fits its lending parameters. Borrowers and brokers should provide property details, requested structure, sponsor information, entity documents, valuation support, and repayment plan as early as possible. How Private Real Estate Underwriting Works Private real estate underwriting generally begins with a review of the loan request, collateral, sponsor, business plan, leverage, use of proceeds, and exit strategy. If the transaction appears to fit the lender’s parameters, the lender may request additional diligence, provide preliminary feedback, and move toward formal underwriting. EBSC Lending’s process generally includes: Initial review Application intake Preliminary assessment Underwriting and diligence review Valuation and collateral analysis Commitment evaluation Legal documentation Closing coordination Funding No loan is approved or committed until EBSC Lending issues a written commitment and all required conditions are satisfied. Appraisals, Valuation Support, and Third-Party Reports Private lenders commonly require valuation support. Depending on the transaction, this may include an appraisal, broker opinion of value, internal valuation, feasibility report, market study, or other third-party analysis. For construction, land, development, cannabis, assisted living, special-use, or non-stabilized assets, the diligence process may be more involved. Lenders may review title, environmental reports, survey, zoning, permits, construction budgets, contractor information, operating data, licensing issues, and market support. EBSC Lending may require appraisal, environmental, title, survey, zoning, feasibility, construction, market, or other reports depending on the transaction. Financing Ground-Up Construction Private lenders may finance ground-up construction when the borrower has a credible development plan, sufficient experience, a supportable budget, appropriate permits or entitlement path, and a clear exit strategy. Construction underwriting usually includes review of land value, total project cost, budget, plans, permits, contractor experience, timeline, draw schedule, and projected completed value. EBSC Lending reviews ground-up construction loan requests for qualified real estate investors and developers nationwide, subject to project feasibility, collateral support, borrower strength, budget review, draw structure, and underwriting approval. Construction or renovation loan proceeds may be disbursed through draws as work is completed. Lenders may require inspections, lien waivers, updated budgets, and confirmation of completed work before releasing additional funds. Commercial Bridge Loans and Refinance Transactions Commercial bridge loans are commonly used when borrowers need short-term capital for acquisition, refinance, lease-up, repositioning, value-add execution, debt payoff, or transition to permanent financing. A bridge loan may help a borrower acquire a property before permanent financing is available, refinance a maturing loan, consolidate debt, or stabilize an asset before sale or long-term financing. EBSC Lending provides commercial bridge and refinance financing for qualified investment-purpose properties, including multifamily, mixed-use, industrial, retail, office, land, development, cannabis, and special-use real estate. Cash-Out Refinance and Debt Payoff Needs Private lenders may provide cash-out refinance loans when collateral value, existing debt, loan basis, income, sponsor strength, and use of proceeds support the request. Cash-out proceeds may be used for business-purpose needs such as recapitalization, acquisitions, improvements, reserves, debt consolidation, or other investment-related objectives. EBSC Lending reviews cash-out refinance requests where the collateral, valuation, loan basis, sponsor profile, and use of proceeds are supportable. Private bridge financing may also be used when a borrower has a maturing loan, payoff deadline, sale delay, pending refinance, or urgent recapitalization need. Land, Development, Value-Add, and Non-Stabilized Assets Private lenders may finance land, development sites, value-add properties, distressed assets, vacant properties, and non-stabilized real estate when the collateral, location, sponsor, project economics, and exit strategy are supportable. These transactions require more detailed diligence because they may involve entitlement risk, construction risk, lease-up risk, vacancy risk, carrying costs, or future valuation assumptions. EBSC Lending reviews land, development, transitional, vacant, partially vacant, and value-add real estate opportunities nationwide, subject to underwriting, valuation, title, environmental review, market demand, borrower capability, and project feasibility. Multifamily, Rental Portfolios, and Residential Investment Property Private lenders commonly finance multifamily properties, rental investment portfolios, and residential investment properties used for business-purpose investment. Multifamily underwriting may include rent roll, trailing financials, occupancy, unit mix, renovation plans, market rents, expenses, sponsor experience, and exit strategy. Rental portfolio underwriting may include leases, cash flow, debt service, property condition, borrower experience, collateral value, and repayment plan. EBSC Lending provides multifamily bridge capital for five-plus-unit properties, rental investment financing, residential investment property loans, acquisition financing, refinance loans, recapitalization structures, and transitional hold strategies for qualified borrowers. Cannabis, Assisted Living, C-PACE, and Special-Use Real Estate Some real estate sectors require specialized underwriting. Cannabis-related real estate may involve regulatory, licensing, property-use, compliance, tenant, and exit strategy considerations. Many banks avoid cannabis-related property financing, which can create a need for private capital. Assisted living, memory care, senior housing, and healthcare-related real estate may require review of census, occupancy, payer mix, licensing, operator experience, management, property condition, financials, and compliance matters. C-PACE and energy-efficiency financing may involve project scope, energy reports, contractor bids, program requirements, property financials, and timing needs. EBSC Lending reviews cannabis real estate, assisted living, memory care, senior housing, C-PACE, and special-use real estate opportunities on a case-by-case basis, subject to underwriting, compliance review, collateral support, and final approval. Mezzanine Financing and Second-Position Loans Some projects require more capital than a senior loan alone can provide. In those situations, mezzanine financing or second-position financing may help complete the capital stack. Mezzanine financing can fill the gap between senior loan proceeds and total capital needed for an acquisition, refinance, recapitalization, or development project. It is typically subordinate to senior debt and may be secured by pledges of ownership interests rather than a direct mortgage lien, depending on the structure. Second-position loans are secured behind a senior lender and require careful review of lien priority, senior debt terms, equity cushion, title, intercreditor issues, and repayment risk. EBSC Lending may consider mezzanine, structured capital, first-position, and second-position financing depending on the transaction, lien position, collateral, senior debt, leverage, and overall risk profile. Financing Property Owned by an LLC Many investment-purpose real estate loans are made to LLCs, corporations, partnerships, trusts, or other legal entities. When lending to an entity, a private lender will typically review the borrower’s formation documents, operating agreement, EIN, certificate of good standing, ownership structure, authorized signers, borrowing authority, and guarantor information. EBSC Lending reviews loans to entities and will typically require entity documents, ownership information, authorized signers, formation records, good standing, and related sponsor or guarantor information as part of underwriting and closing. Private lenders may also require personal or corporate guarantees depending on loan structure, borrower entity, collateral type, leverage, risk profile, and transaction complexity. Broker Submissions and Broker Compensation Brokers can help borrowers access private capital, but a complete submission is essential. The best way for a broker to get a private lender to review a deal quickly is to submit a complete, accurate, and organized package. A strong broker submission should include the borrower name, property address, loan amount, use of proceeds, property type, valuation support, current debt, rent roll, financials, business plan, closing timeline, sponsor background, liquidity, entity structure, and exit strategy. Broker compensation varies by transaction, lender, applicable law, licensing requirements, disclosures, and closing documentation. Broker fees should be disclosed early so the full fee stack, borrower economics, and closing structure can be reviewed before commitment or closing. EBSC Lending works with brokers, originators, and real estate professionals on eligible investment-purpose loan transactions and expects broker compensation to be clearly disclosed and handled in accordance with applicable law, transaction documents, and closing requirements. Why Private Real Estate Loans Get Declined Private lending is flexible, but it is not automatic. A loan may be declined for many reasons, including: Insufficient collateral value Unsupported valuation Excessive leverage Incomplete documentation Title issues Environmental concerns Weak exit strategy Borrower credibility issues Lack of liquidity Inconsistent information Unclear ownership structure Unsupported construction budget Property condition concerns Market or feasibility issues Transaction terms outside lender parameters EBSC Lending evaluates each loan request based on collateral, sponsor strength, loan structure, leverage, use of proceeds, repayment strategy, market conditions, and overall execution risk. Loan Estimate, Term Sheet, and Commitment Letter Borrowers and brokers should understand the difference between preliminary loan feedback and a formal commitment. A loan estimate or preliminary indication usually provides non-binding pricing or structure based on limited information. A term sheet may outline proposed terms subject to underwriting, diligence, credit approval, legal review, and closing conditions. A commitment letter is generally more formal and may establish the lender’s conditional commitment, subject to stated requirements and borrower obligations. EBSC Lending’s preliminary terms or indications are non-binding and subject to underwriting, due diligence, credit approval, and issuance of a written commitment. EBSC may also require an engagement letter before proceeding toward a formal loan commitment. Why Private Lenders Charge Fees Before Closing Private lenders may charge upfront fees or deposits to cover underwriting, processing, diligence coordination, legal review, third-party coordination, and capital allocation work. Borrowers should confirm what fees are required, when they are due, whether any portion is refundable, and what costs are paid directly to third-party vendors. EBSC Lending discloses applicable fees in the relevant transaction documents. Fees and costs remain subject to the specific loan structure, underwriting requirements, and final approval. What Borrowers and Brokers Should Ask a Private Real Estate Lender Before submitting a loan request, borrowers and brokers should ask practical execution questions, including: Is the lender a direct lender or broker? What loan sizes does the lender fund? What property types are eligible? How quickly can the lender close? What leverage may be available? What rates, points, and fees apply? Does the lender require an appraisal? What documents are needed for underwriting? How does the lender verify value? What exit strategies are acceptable? How are legal documents handled? What causes a deal to be declined? EBSC Lending provides clear upfront lending parameters, including loan size, term, leverage, rate, points, property-type flexibility, and expected closing timeline. EBSC reviews qualified investment-purpose real estate opportunities based on collateral, sponsor strength, business plan, valuation support, and exit strategy. EBSC Lending’s Direct Private Lending Platform EBSC Lending provides direct private real estate financing for qualified borrowers, brokers, investors, developers, sponsors, and originators nationwide. EBSC Lending’s platform is designed for investment-purpose real estate transactions where execution, timing, collateral analysis, and customized structuring matter. Eligible transactions may include acquisition, bridge, construction, refinance, land, development, multifamily, cannabis, assisted living, mezzanine, C-PACE, rental portfolio, residential investment, special-use, and value-add real estate loans. The best way to begin is to submit a complete loan request through EBSC Lending’s application process, including the requested loan amount, property details, use of proceeds, borrower and sponsor information, valuation support, and exit strategy. Apply Now: https://www.ebsc-llc.com/applynow For borrowers and brokers who want direct answers to common lending questions, EBSC Lending also maintains a detailed private real estate lending FAQ covering loan programs, leverage, rates, underwriting, appraisals, construction loans, broker submissions, LLC borrowers, mezzanine financing, cannabis real estate, assisted living, C-PACE, and other investment-purpose loan topics. Private Real Estate Lending FAQ. All loans are subject to underwriting, collateral review, valuation support, borrower and sponsor review, title, due diligence, legal documentation, and final approval.

Direct Private Real Estate Lending | EBSC Lending.

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FAIRVIEW, OR — EBSC Lending has closed an $18.8 million value-add multifamily loan for a 146-unit apartment community in Fairview, Oregon. This loan is structured to resolve an imminent maturity default, complete renovations, and provide runway for lease-up and stabilization. Transaction Overview The financing was executed for a borrower facing a compressed timeline. Construction delays triggered an imminent maturity default under the existing debt. To stabilize the situation, EBSC Lending acquired the existing loan and modified its terms. This created immediate relief while simultaneously structuring and closing the new financing. This dual-track execution provided the borrower with the time and capital necessary to complete renovations. It also maintained project continuity and allowed for a structured lease-up strategy. Loan proceeds will fund the completion of the renovation program and support operations through stabilization. The loan is structured with a 36-month initial term, two six-month extension options, and a 9.97% rate. This aligns with the asset’s transitional profile. Commenting on the execution, the sponsor, Ryan Cohen, stated, “When construction delays put pressure on our timeline and existing debt maturity, we needed a lender that could move quickly and stay solution-oriented. EBSC Lending understood the complexity of the situation, stepped in decisively, and provided a structure that gave us the time and capital needed to complete renovations, execute our lease-up strategy, and position the property for stabilization.” EBSC Lending Closes $18.8 Million Value-Add Loan for 146-Unit Apartment Community in Fairview, Oregon From the lender’s perspective, Martin Alex of EBSC Lending noted, “This was a time-sensitive transaction that required speed, structure, and certainty of execution. The borrower needed a lender that could move decisively under a tight deadline while also providing the capital necessary to complete the renovation program and create a path toward stabilization. Closing this loan as Portland multifamily enters 2026 with a materially lighter supply pipeline was especially meaningful, as that backdrop is constructive for transitional assets that still require renovation completion, lease-up time, and disciplined operating execution.” David Palmer of EBSC Lending added, “We frequently see the same high-profile U.S. opportunity referred to us by multiple brokers. More often than not, that signals a challenging transaction, and those are exactly the kinds of deals we are built to execute.” Market Context + What It Means The Portland multifamily market is entering a more favorable supply-demand dynamic heading into 2026. According to Northmarq, approximately 2,300 units were under construction, while vacancy levels ranged between 4.9% and 5.2%. This indicates that the recent supply wave is beginning to ease. For transitional, value-add assets, this shift is meaningful. As new deliveries slow and vacancy stabilizes, sponsors gain a more practical window to complete renovations, preserve leasing velocity, and move toward stabilized occupancy. Transactions involving imminent maturities and incomplete business plans require lenders capable of stepping into complex situations. They must restructure existing debt and deliver capital quickly. Private lenders with balance sheet flexibility and execution certainty are often the only viable solution in these scenarios. By closing this $18.8 million value-add loan, EBSC Lending enabled the borrower to avoid default, complete renovations, and position the asset for stabilization within an improving market environment. The Importance of Quick Financing In real estate, timing is everything. When unexpected delays occur, having a reliable financing partner can make all the difference. The ability to pivot quickly and secure funding is crucial for success. This is especially true in markets like Portland, where demand is shifting. With EBSC Lending, borrowers can expect not just speed but also understanding. They grasp the nuances of each project and the urgency that comes with them. This approach empowers investors to focus on their core business while leaving the financing complexities to the experts. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided an $18.8 million value-add multifamily loan to refinance existing debt, complete renovations, and support lease-up. Why was the loan needed? The borrower faced an imminent maturity default due to construction delays and required immediate execution and capital. How was the transaction structured? EBSC Lending acquired and modified the existing loan, then closed a new loan with a 36-month term and extension options, providing time for stabilization. What makes this transaction unique? The deal required simultaneous loan acquisition, restructuring, and refinancing under time pressure, a scenario typical of complex transitional assets. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions nationwide, including: Value-Add Multifamily Loans – Financing for renovation and lease-up strategies Commercial Bridge Loans – Short-term solutions for time-sensitive situations Distressed & Special Situations Financing – Capital for complex and transitional assets View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2026/03/31/ebsc-lending-closes--18.8-million-value-add-loan-for-146-unit-apartment-community-in-fairview--oregon

EBSC Lending Closes $18.8 Million Value-Add Loan for 146-Unit Apartment Community in Fairview, Oregon.

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STOCKTON, CA - March 29, 2026 - EBSC Lending has provided $21.3 million in construction financing for a 1,775-unit self-storage development in Stockton, California, supporting the ground-up delivery of new storage capacity in a key Northern California market. Transaction Overview The financing supports the development of a large-scale self-storage facility designed to meet growing demand in the Stockton submarket. The project will deliver 1,775 storage units and incorporates modern features focused on tenant convenience, operational efficiency, and asset protection. The facility will include climate-controlled units, mobile-enabled access, contactless rental systems, and a comprehensive security infrastructure featuring camera surveillance, access control systems, and automated locking technology. The loan was structured as a construction facility with a 10.75% rate, featuring a four-year initial term and two one-year extension options, subject to standard performance conditions. The structure provides the borrower with sufficient time to complete development and stabilize operations. Commenting on the transaction, Martin Alex of EBSC Lending stated, “With ample liquidity available for investment, EBSC Lending continues to target lending opportunities with well-capitalized institutional sponsors and projects that offer attractive risk-adjusted returns for our investors.” The transaction reflects EBSC Lending’s continued focus on specialized real estate assets and its ability to structure financing solutions aligned with both development timelines and evolving market conditions. Market Context + What It Means The self-storage sector is currently transitioning into a more disciplined development cycle, with operators focusing on technology integration, tenant experience, and operational efficiency. According to Yardi Matrix, U.S. self-storage asking rents declined 1.1% in February 2026, and industry outlooks for 2026 remain flat to slightly negative, reinforcing the importance of selective underwriting and strong sponsorship. In this environment, new developments must be carefully positioned to succeed, with modern amenities and efficient design playing a critical role in lease-up performance. Markets like Stockton—benefiting from population movement and regional growth—continue to present viable opportunities for well-structured projects. Construction financing for self-storage assets requires lenders capable of underwriting specialized operating models, development risk, and market timing. Private lenders with flexible capital and execution certainty remain essential in advancing these projects. By providing $21.3 million in construction financing, EBSC Lending enabled the borrower to deliver a modern storage facility aligned with evolving tenant expectations and positioned for long-term performance. EBSC Lending Provides $21.3 Million Construction Financing for 1,775-Unit Self-Storage Development in Stockton, California. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $21.3 million construction loan for a self-storage development in Stockton, California. How large is the project? The development will include 1,775 storage units with modern operational features. What are the key loan terms? The loan carries a 10.75% rate, a four-year initial term, and two one-year extension options. What types of specialty assets does EBSC Lending finance? EBSC Lending finances self-storage, multifamily, mixed-use, and other specialized real estate assets through construction, bridge, and transitional loans nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Construction Loans – Ground-up development financing Commercial Bridge Loans – Transitional capital for complex assets Specialty Asset Financing – Solutions for self-storage and niche property types View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2026/04/09/ebsc-lending-provides--21.3-million-in-construction-financing-for-1-775-unit-self-storage-development-in-stockton--california

EBSC Lending Provides $21.3 Million Construction Financing for 1,775-Unit Self-Storage Development in Stockton, California.

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CHICAGO, IL — EBSC Lending has provided a $27.0 million refinance loan for a 186-unit luxury multifamily community located in Chicago, Illinois. This financing refinanced the property out of a HUD contract. It was structured to meet the sponsor’s objectives, including a low fixed interest rate and 36 months of interest-only payments. Transaction Overview The borrower is among the largest multifamily housing owners in the country. Their portfolio spans Illinois, Indiana, Wisconsin, Michigan, Ohio, Missouri, and Minnesota. According to the NMHC Top 50, the sponsor manages over 4,600 market-rate units and has constructed more than 97,000 units. Additionally, the company and its subsidiaries manage over 71,000 affordable units and 51,000 units of military housing. This transaction marks the fifth deal EBSC Lending has closed with the sponsor. The refinance was tailored to provide long-term stability and flexibility. It allows the borrower to achieve its goals through a competitive fixed-rate structure and a full 36-month interest-only period. Martin Alex of EBSC Lending commented on the transaction, stating, “We were pleased to work with the sponsor to refinance this property in Chicago’s dynamic multifamily market. This loan was refinanced out of a HUD contract and met all of our client’s objectives, including a low, fixed interest rate, and 36 months of interest-only payments.” Property Features The property is a 15-building, garden-style community situated on nearly 36 acres and currently maintains 98% occupancy. Residences feature stainless steel appliances, private patios, scenic views, smart home access and thermostats, in-unit washers and dryers, gourmet kitchens, open living spaces, and walk-in closets. EBSC Lending. Community amenities include a resort-style swimming pool with private cabanas, swimming pool and Jacuzzi, 24-hour fitness center, clubhouse with coffee and tea bar, business center with conference room, picnic areas with barbecue grills, community firepit, bark park with agility equipment and pet spa, dog park, electric vehicle charging stations, and garage storage units. Lender's Perspective From the sponsor’s perspective, this transaction reflects the value of a lender capable of structuring around borrower objectives in an evolving capital markets environment. As the sponsor noted, “We are thrilled to have provided a total financing solution as we build a relationship with a growing regional operator. EBSC Lending understands the challenges borrowers are facing while navigating choppy capital markets and has the capacity to participate in every part of the capital stack to meet their needs. The team’s ability to structure creatively and execute efficiently underscores our deep understanding and unwavering commitment to the space.” Market Context + What It Means Chicago remains one of the country’s most important multifamily markets. This is supported by deep renter demand, established neighborhoods, and a broad employment base. In this environment, refinancing solutions that improve loan structure, reduce payment pressure, and create flexibility can be critical for experienced owners. For sponsors transitioning out of existing debt structures, fixed-rate refinance financing can offer greater predictability and payment stability. Interest-only periods can further support cash flow management while the property continues operating at a high level. By providing a $27.0 million refinance loan, EBSC Lending helped the sponsor recapitalize a high-occupancy luxury multifamily asset with terms aligned to its investment objectives. This transaction demonstrates the importance of customized execution for sponsors managing large and sophisticated portfolios. The Importance of Refinance Flexibility In today’s capital markets environment, borrowers often need more than simply replacement debt. They need financing that addresses timing, structure, and long-term business objectives. A well-structured refinance can improve cash flow, create stability, and position an asset for continued performance. Flexible lenders play an important role in these situations. Whether the need is a fixed rate, an interest-only period, or a customized structure that addresses an existing loan payoff, execution matters. Benefits of Multifamily Refinance Loans Refinance loans can provide several advantages for multifamily owners. They can replace maturing or restrictive debt, improve loan terms, and offer enhanced stability through fixed-rate structures. Interest-only periods can also help preserve near-term cash flow, particularly for owners focused on portfolio management, operational flexibility, and long-term hold strategies. For institutional and experienced sponsors, refinance financing can be a valuable tool for strengthening overall portfolio performance while maintaining control of well-located assets. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $27.0 million refinance loan for a 186-unit luxury multifamily community in Chicago, Illinois. What were the key loan terms? The refinance was structured with a low fixed interest rate and 36 months of interest-only payments. What are the key features of the property? The property is a 15-building, garden-style multifamily community located on nearly 36 acres with 98% occupancy, luxury unit interiors, and extensive community amenities. Who is the sponsor? The sponsor is one of the country’s largest multifamily housing owners, with a substantial portfolio of market-rate, affordable, and military housing units across several Midwestern states. What types of multifamily projects does EBSC Lending finance? EBSC Lending finances multifamily acquisition, bridge, refinance, renovation, construction, and structured finance transactions nationwide. Related EBSC Lending Financing Programs Multifamily Refinance Loans – Customized recapitalization solutions for stabilized and transitional assets Multifamily Bridge Loans – Short-term financing for acquisitions, lease-up, and value-add execution Commercial Bridge Loans – Flexible capital for transitional and time-sensitive opportunities Structured & Transitional Loans – Tailored solutions across the capital stack for complex scenarios View the official announcement: https://www.abladvisor.com/news/42653/ebsc-lending-provides-27mm-refinance-loan-for-luxury-multifamily-community-in-ch

EBSC Lending Provides $27 Million Refinance Loan for 186-Unit Luxury Multifamily Community in Chicago, Illinois.

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When it comes to commercial real estate, securing the right financing can make or break your project. Whether you're buying, refinancing, or developing, understanding your options is crucial. I’ve navigated this complex landscape and want to share what I’ve learned about commercial property funding options that can help you move forward confidently. Exploring Commercial Property Funding Options. Commercial property funding options are diverse, but not all are created equal. Knowing which fits your project’s size, timeline, and risk profile is key. Here’s a quick rundown of the most common types: Traditional Bank Loans: These are the go-to for many investors. They offer competitive interest rates but come with strict qualification criteria and longer approval times. SBA Loans: Backed by the Small Business Administration, these loans provide favorable terms but require detailed paperwork and can take several weeks (often 45–75 days) to close. Bridge Loans: Short-term loans designed to “bridge” the gap until permanent financing is secured. They’re fast but usually come with higher interest rates. Private Lenders: These lenders offer flexibility and speed, often funding deals that banks won’t touch. They’re ideal for unique or time-sensitive projects. Mezzanine Financing: A hybrid of debt and equity, this option fills the gap between senior debt and equity, often used in larger developments. Each option has pros and cons. The trick is matching your project’s needs with the right funding source. Modern commercial office building exterior Modern commercial office building exterior How to Choose the Right Debt Financing for Your Project. Choosing the right debt financing means balancing cost, speed, and flexibility. Here’s how I approach it: Assess Your Project Timeline - If you need quick cash to seize an opportunity, private lenders or bridge loans are your best bet. Banks and SBA loans take longer but offer better rates. Understand Your Credit Profile - Strong credit and solid financials open doors to traditional loans. If your credit is less than perfect, private lenders might be more forgiving. Calculate Your Debt Service Coverage Ratio (DSCR) - Lenders want to see that your property generates enough income to cover loan payments. A DSCR of around 1.25 or higher is commonly required, though it varies by lender and property type. Consider Loan-to-Value (LTV) Ratios - Most lenders won’t finance 100% of your property’s value. Expect to put down 20–30% or more, depending on the loan type. Evaluate Prepayment Penalties and Terms - Flexibility matters. Some loans penalize early repayment, which can limit your exit strategies. By carefully weighing these factors, you can zero in on the best commercial property funding options for your needs. Understanding the Role of Commercial Real Estate Debt Financing. One critical piece of the puzzle is commercial real estate debt financing. This type of financing is designed specifically for commercial properties and offers tailored solutions that traditional loans might not provide. It’s a powerful tool for investors and developers who want fast, flexible funding without the red tape. Here’s why it stands out: Speed: Private lenders can often close deals in days to a few weeks, not months. Flexibility: Terms can be customized to fit your project’s unique needs. Accessibility: Easier qualification criteria compared to banks. Scalability: Suitable for projects of various sizes, from small retail spaces to large multi-family complexes. If you want to keep your project moving without delays, this financing route is worth exploring. Commercial construction site with cranes and building framework Practical Tips for Securing Commercial Property Debt Financing. Securing financing isn’t just about picking the right loan. It’s about preparation and presentation. Here’s what I recommend: Prepare a Solid Business Plan - Outline your project’s scope, timeline, and expected returns. Lenders want to see you’ve done your homework. Gather Financial Documents - Have your tax returns, bank statements, and property income statements ready. Transparency builds trust. Build Relationships with Lenders - Networking can open doors. Attend industry events and connect with lenders who specialize in commercial real estate. Be Ready to Negotiate - Don’t accept the first offer. Terms can often be improved with a little back-and-forth. Consider a Loan Broker - Brokers have access to multiple lenders and can match you with the best deal faster. By following these steps, you’ll increase your chances of securing favorable financing. Maximizing Your Investment with the Right Financing Strategy. The right financing strategy can boost your returns and reduce risk. Here’s how to maximize your investment: Leverage Debt Wisely - Use debt to increase your purchasing power but avoid over-leveraging. Too much debt can strain cash flow. Plan for Interest Rate Changes - Fixed rates offer stability, but variable rates might save money if rates stay low. Know your risk tolerance. Factor in Exit Strategies - Whether you plan to sell, refinance, or hold long-term, your financing should support your exit plan. Monitor Market Conditions - Interest rates, property values, and rental demand fluctuate. Stay informed to make timely decisions. Reinvest Savings - If you secure a low-interest loan, use the savings to improve the property or fund new projects. Smart financing isn’t just about getting a loan. It’s about using that loan to build lasting wealth. Taking the Next Step in Commercial Property Funding. Navigating commercial property funding options can feel overwhelming, but it doesn’t have to be. With the right knowledge and partners, you can secure financing that fits your project and goals. Remember, speed and flexibility often make the difference in today’s market. If you want fast, reliable, and flexible financing solutions, consider working with lenders who understand your needs and move quickly. Your next project deserves the best funding strategy to succeed. Start exploring your options today and take control of your commercial property investments.

Comprehensive Debt Financing for Commercial Properties: Your Guide to Commercial Property Funding Options.

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POINT LOMA (SAN DIEGO), CA — EBSC Lending offers $37.0M bridge loan for acquisition and renovation of 215-unit multifamily community in Point Loma, San Diego. Expedited closing and capital improvement program support. Transaction Overview The borrower is a repeat EBSC Lending client and an experienced multifamily owner-operator. They manage a portfolio of approximately 8,000 units across 93 properties in 26 states. The sponsor has a deep operating history in California, having managed nearly 5,000 units statewide, including more than 2,700 units previously owned. The floating-rate bridge loan carries a three-year term. It was underwritten and executed on an expedited basis to support a three-week closing timeline. Loan proceeds include more than $4 million dedicated to capital improvements and substantial funding for debt service reserves. This structure provides flexibility during the renovation and lease-up period. Commenting on the relationship and execution, Jeff Goldman, the sponsor’s Chief Financial Officer, stated, “As a repeat borrower, we continue to value EBSC Lending’s consistency and responsiveness. Martin and his team are trusted partners who help us act decisively on opportunities while we remain focused on serving renters across the affordability spectrum.” Originally constructed in 1977, the garden-style community consists of 11 three-story apartment buildings. The unit mix includes 117 one-bedroom residences, 65 two-bedroom residences, and 33 three-bedroom residences. This variety offers a range of layouts to meet diverse renter needs. From the lender’s perspective, Martin Alex, CEO of EBSC Lending, noted, “Point Loma is a highly desirable coastal submarket with enduring renter demand and limited new supply. We’re proud to support our repeat client with a flexible bridge structure that enables both the execution of their business plan and the timely delivery of upgraded housing.” EBSC Lending Provides $37 Million Bridge Loan for Acquisition and Renovation of 215-Unit Multifamily Community in Point Loma, California Market Context + What It Means Coastal Southern California submarkets, such as Point Loma, benefit from persistent renter demand, limited new construction, and high barriers to entry. Value-add multifamily opportunities in these locations often require fast-executing bridge capital to support acquisitions, fund renovations, and manage transitional periods. Bridge loans that include dedicated capex funding and reserve support allow sponsors to modernize assets while maintaining operational stability. Lenders capable of underwriting and closing quickly are essential partners in competitive acquisition environments. By providing a $37.0 million bridge loan, EBSC Lending enabled the sponsor to acquire and reposition a well-located multifamily asset. This move advances improvements that support long-term performance in a supply-constrained coastal market. The Importance of Fast Financing In today’s competitive real estate market, speed is crucial. Investors need to act quickly to secure properties before they are snatched up by others. Fast financing options, like bridge loans, allow investors to close deals rapidly. This flexibility can make all the difference in a competitive landscape. Benefits of Bridge Loans Bridge loans offer several advantages for real estate investors. They provide quick access to capital, which is essential for time-sensitive acquisitions. Additionally, these loans can be structured to include funds for renovations, allowing investors to enhance property value immediately. Moreover, bridge loans often come with fewer restrictions than traditional financing options. This flexibility can be a game-changer for investors looking to maximize their returns. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $37.0 million floating-rate bridge loan for the acquisition and renovation of a multifamily community. How is the loan structured? The loan features a three-year term, includes over $4 million for capital improvements, and provides debt service reserve funding. What are the key features of the property? The community includes 215 units across 11 buildings with a mix of one-, two-, and three-bedroom residences in the Point Loma submarket of San Diego. What types of multifamily projects does EBSC Lending finance? EBSC Lending finances acquisition, renovation, bridge, construction, and refinance transactions for multifamily and mixed-use assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Multifamily Bridge Loans – Acquisition and value-add financing Commercial Bridge Loans – Short-term capital for transitional assets Structured & Transitional Loans – Customized solutions for complex transactions View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2026/02/17/ebsc-lending-provides-$37-million-bridge-loan-for-acquisition-and-renovation-of-215-unit-multifamily-community-in-point-loma-california

EBSC Lending Provides $37.0 Million Bridge Loan for Acquisition and Renovation of 215-Unit Multifamily Community in Point Loma, California.

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Investing in real estate can be a lucrative way to build wealth, but securing traditional financing is not always straightforward. Many investors face challenges such as strict lending criteria, lengthy approval processes, or limited access to capital. This is where private lending options come into play, offering flexible and faster solutions for real estate investments. In this article, we will explore various private lending options, their benefits, legal considerations, and practical tips to help you make informed decisions. Understanding Private Lending Options in Real Estate Private lending refers to loans provided by individuals or private entities rather than traditional financial institutions like banks. These loans are often used by real estate investors to finance property purchases, renovations, or development projects. Private lenders can be friends, family members, private investors, or companies specializing in real estate loans. Types of Private Lending Options Hard Money Loans Hard money loans are short-term loans secured by real estate. They are typically used for fix-and-flip projects or quick acquisitions. These loans have higher interest rates but offer fast approval and funding. Private Money Loans These loans come from private individuals or groups who lend money based on the property’s value and the borrower’s credibility. Terms are negotiable and can be more flexible than bank loans. Peer-to-Peer Lending Online platforms connect borrowers with individual lenders. This method can provide competitive rates and diverse funding sources. Seller Financing In this arrangement, the property seller acts as the lender, allowing the buyer to make payments over time. This can be beneficial when traditional financing is unavailable. Benefits of Private Lending Options Speed: Private lenders can often approve loans within days, compared to weeks or months with banks. Flexibility: Terms and conditions can be tailored to suit both parties. Accessibility: Easier qualification criteria, especially for investors with less-than-perfect credit or unconventional income sources. Creative Financing: Enables deals that might not fit traditional lending models. Private lending can finance property development projects How to Find the Right Private Lending Partner Choosing the right private lender is critical to the success of your real estate investment. Here are some practical steps to identify and secure a reliable private lending partner: 1. Network Within Real Estate Communities Attend local real estate investment groups, seminars, and meetups. These venues are excellent for meeting private lenders interested in real estate projects. 2. Use Online Platforms Websites specializing in connecting borrowers with private lenders can expand your options. Always research the platform’s reputation and lender credentials. 3. Evaluate Lender Terms Compare interest rates, loan-to-value ratios, fees, and repayment terms. Look for lenders who offer clear, fair, and flexible conditions. 4. Conduct Due Diligence Verify the lender’s background, track record, and financial stability. Signing a private lending agreement for real estate investment Practical Tips for Successful Private Lending Deals To maximize the benefits of private lending options, consider the following actionable recommendations: Prepare a Solid Business Plan: Present a clear investment strategy, projected returns, and exit plan to your lender. Offer Collateral: Securing the loan with property or other assets can increase lender confidence. Negotiate Terms: Don’t hesitate to discuss interest rates, repayment schedules, and fees to find mutually beneficial terms. Maintain Open Communication: Keep your lender informed about project progress and any challenges. Plan for Contingencies: Have backup plans for repayment in case the investment does not go as expected. By following these tips, you can build trust with your lender and improve your chances of securing future funding. Exploring Private Real Estate Lending as a Strategic Investment Tool. Private real estate lending is not only a financing option for borrowers but also an investment opportunity for lenders. Investors who provide private loans can earn attractive returns through interest payments secured by real estate assets. Why Consider Private Real Estate Lending as an Investor? Higher Returns: Interest rates on private loans are generally higher than traditional fixed-income investments. Asset-Backed Security: Loans are secured by real estate, reducing risk compared to unsecured lending. Portfolio Diversification: Adds a different asset class to your investment portfolio. Passive Income: Regular interest payments provide steady cash flow. How to Get Started as a Private Lender Educate yourself on real estate markets and lending practices. Start with small loans to build experience. Work with professionals to structure loans and manage risks. Use platforms that facilitate private lending transactions. This dual perspective on private lending enriches the real estate investment landscape, offering opportunities for both borrowers and lenders. Navigating Risks and Challenges in Private Lending While private lending offers many advantages, it also comes with risks that must be managed carefully. Common Risks Borrower Default: The borrower may fail to repay the loan on time or at all. Property Depreciation: The collateral property may lose value, affecting loan security. Legal Disputes: Poorly drafted agreements can lead to conflicts and costly litigation. Market Fluctuations: Changes in real estate market conditions can impact investment outcomes. Risk Mitigation Strategies Conduct thorough due diligence on borrowers and properties. Use clear, legally binding loan agreements. Require adequate collateral and maintain proper insurance. Monitor loan performance regularly and maintain communication with borrowers. By proactively addressing these risks, private lending can be a safer and more rewarding venture. Making Private Lending Work for Your Real Estate Goals Private lending options provide a valuable alternative to traditional financing, especially for real estate investors seeking speed, flexibility, and creative solutions. Whether you are borrowing to fund a project or lending to earn returns, understanding the landscape of private lending is essential. By leveraging the right private lending strategies, conducting due diligence, and maintaining transparent relationships, you can unlock new opportunities in the real estate market. Explore your options, seek professional advice, and take confident steps toward achieving your investment objectives.

Private Lending Options for Real Estate Investments.

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GEORGETOWN, TX — EBSC Lending has arranged a $41.0 million refinancing for a 203-unit, Class A, mid-rise multifamily community located in Georgetown, Texas, within the greater Austin metropolitan area. The refinancing delivers a stabilized, long-term capital structure for the sponsor and replaces the original construction financing. Transaction Overview The refinance featured a forward-rate lock and interest-only amortization, providing certainty of execution and predictable debt service. Loan proceeds were used to refinance the original construction loan provided by a bank, which the borrower used to develop the community beginning in 2022. Commenting on the transaction, David Palmer, Vice President – Special Assets at EBSC Lending, stated, “We were proud to partner with the sponsor to complete this refinance. This was the sponsor’s first agency deal and first multifamily project in over two decades, and we were humbled to be selected as their partner in this undertaking. With the new structure in place, the asset is well-positioned to benefit from private financing for years to come.” The community was built in 2019 and offers a mix of studio, one-bedroom, and two-bedroom residences averaging 775 square feet. Units feature modern finishes and a strong in-unit amenity package, including full-size washers and dryers, private balconies, underground parking, and bike storage. The property is currently 96% occupied, reflecting strong market demand. Resident amenities include a 3,500-square-foot landscaped courtyard with lounge seating, an outdoor swimming pool and spa, grilling and outdoor dining areas, a fitness center and yoga studio, a club room with gaming area and bar, and a rooftop sky lounge featuring an outdoor kitchen and cocktail station. The sponsor, Robert Sheridan, added, “We appreciate EBSC Lending’s partnership and guidance throughout this process. This refinance represents an important milestone for our team, and the forward-rate lock and interest-only structure provided the certainty and flexibility we were seeking. We’re excited to continue executing our business plan and investing in the community for the long term.” Following the refinance, the ownership group plans to implement a targeted property improvement plan, including interior unit refreshes and updates, to enhance tenant experience and support long-term value creation. Additional unit features include high-speed internet capability, washer/dryer hookups, air conditioning and heating, cable-ready connections, security systems, tub/shower combinations, sprinkler systems, and wheelchair-accessible layouts. EBSC Lending Arranges $41.0 Million Refinance for 203-Unit Class A Multifamily Community in Georgetown, Texas. Market Context + What It Means The greater Austin metro continues to benefit from population growth, employment expansion, and sustained renter demand, supporting strong performance for Class A multifamily assets in suburban submarkets such as Georgetown. Refinancing stabilized multifamily properties with forward-rate locks and interest-only structures allows owners to reduce interest-rate risk while preserving cash flow and flexibility for capital improvements. Lenders capable of guiding sponsors through agency-style executions and long-term refinancing play a key role in transitioning assets from construction to durable operations. By arranging a $41.0 million refinance, EBSC Lending enabled the sponsor to replace construction debt with a stable capital structure and position the property for continued performance in a high-growth Texas market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending arranged a $41.0 million refinance for a Class A multifamily community. How is the loan structured? The refinance includes a forward-rate lock and interest-only amortization, delivering long-term stability. What are the key features of the property? The property includes 203 units, extensive indoor and outdoor amenities, and is 96% occupied. What types of multifamily assets does EBSC Lending finance? EBSC Lending finances construction, refinance, bridge, and permanent loans for multifamily and mixed-use assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Multifamily Refinance Loans – Stabilized and transitional assets Permanent & Structured Loans – Long-term capital solutions Commercial Bridge Loans – Short-term financing for complex transactions Press release syndication (MultifamilyBiz): EBSC Lending Arranges $41 Million Refinance for 203-Unit Class A Multifamily Community in Austin Metropolitan Market of Georgetown

EBSC Lending Arranges $41.0 Million Refinance for 203-Unit Class A Multifamily Community in Georgetown, Texas.

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When it comes to financing real estate projects, traditional bank loans are not the only option. Private real estate loans have become an increasingly popular alternative for investors and developers seeking flexible and fast funding solutions. These loans offer several advantages that can make a significant difference in the success of a real estate venture. What Are Private Real Estate Loans? Private real estate loans are funds provided by private individuals or companies rather than conventional financial institutions. These loans are typically used for purchasing, renovating, or developing properties. Unlike traditional loans, private loans often have fewer requirements and faster approval processes. Private lenders can be individuals with capital to invest or specialized companies that focus on real estate financing. They assess the loan based on the property’s value and the borrower's plan rather than solely on credit scores or income verification. Private real estate development project Benefits of Using Private Real Estate Loans Private real estate loans offer several key advantages that make them attractive to many investors: Speedy Approval and Funding One of the biggest benefits is the quick turnaround time. Private lenders can approve loans in days or weeks, compared to the months it might take with banks. This speed is crucial for investors who need to act fast on opportunities. Flexible Terms Private lenders often provide more flexible loan terms. They can tailor the loan duration, repayment schedule, and interest rates to fit the specific needs of the project and borrower. Less Stringent Requirements Unlike traditional lenders, private lenders may not require perfect credit scores or extensive documentation. This opens doors for borrowers who might not qualify for bank loans due to credit issues or unconventional income sources. Access to Larger Loan Amounts for Unique Projects Some real estate projects do not fit the typical bank lending criteria. Private lenders are more willing to finance unique or high-risk projects that banks might reject. Opportunity for Relationship Building Working with private lenders can lead to long-term partnerships. Investors can build trust and secure ongoing funding for future projects. How much does a private lender charge? Understanding the costs associated with private real estate loans is essential before committing. Private lenders typically charge higher interest rates than banks due to the increased risk and faster service they provide. Interest Rates Rates can range from 8% to 15% or more, depending on the lender, property type, and borrower’s profile. These rates are negotiable and often reflect the loan’s short-term nature. Points and Fees Private lenders may charge points upfront, which are a percentage of the loan amount (usually 1-5%). These fees cover the lender’s risk and administrative costs. Loan-to-Value (LTV) Ratios LTV ratios for private loans are generally lower than bank loans, often around 65% to 75%. This means borrowers need to provide a larger down payment or equity stake. Prepayment Penalties Some private loans include penalties for early repayment, so it’s important to review the loan agreement carefully. Despite the higher costs, the benefits of speed and flexibility often outweigh the expense for many real estate investors. Signing a private real estate loan agreement How Private Real Estate Loans Support Investment Strategies Private real estate loans can be a powerful tool for various investment strategies: Fix and Flip Projects Investors who buy properties to renovate and sell quickly benefit from fast funding and short-term loans. Private lenders provide the capital needed to purchase and improve properties without long approval delays. Bridge Financing When investors need temporary funding to cover gaps between transactions, private loans act as bridge loans. This helps maintain cash flow and seize new opportunities. Commercial Real Estate Development Developers working on commercial projects can use private loans to cover initial costs or supplement traditional financing. Land Acquisition Private loans can finance land purchases where banks may hesitate due to the lack of immediate income generation. Credit Challenges Borrowers with less-than-perfect credit or unconventional income sources can still access capital through private lenders. Using private loans strategically allows investors to diversify their financing sources and reduce dependency on banks. Tips for Working with Private Lenders To maximize the benefits of private real estate loans, consider these practical tips: Do Your Homework Research potential lenders thoroughly. Look for reputable private lenders with experience in real estate financing. Prepare a Solid Proposal Present a clear plan for the property, including market analysis, renovation details, and exit strategy. This builds lender confidence. Understand the Terms Review all loan terms carefully, including interest rates, fees, repayment schedules, and penalties. Negotiate When Possible Don’t hesitate to negotiate terms that better suit your project and financial situation. Maintain Open Communication Keep your lender informed about project progress and any challenges. Transparency fosters trust and future collaboration. Plan for Exit Strategies Have a clear plan for repaying the loan, whether through property sale, refinancing, or rental income. By following these steps, borrowers can build strong relationships with private lenders and secure funding that supports their real estate goals. Why Choose a Private Lender Real Estate Option? Choosing a private lender real estate loan can be a game-changer for many investors. The flexibility, speed, and accessibility of private loans provide a competitive edge in a fast-moving market. Whether you are a seasoned developer or a first-time investor, private loans offer a viable alternative to traditional financing. Private lenders understand the unique challenges of real estate investing and often work closely with borrowers to tailor solutions. This personalized approach can help overcome obstacles that banks cannot address. In summary, private real estate loans open doors to opportunities that might otherwise be missed. They empower investors to act quickly, manage risks, and grow their portfolios with confidence. Exploring Your Financing Options When considering private real estate loans, it’s important to evaluate all your financing options. Compare private loans with traditional bank loans, hard money loans, and other alternatives. Each has its pros and cons depending on your project type, timeline, and financial situation. Consulting with a financial advisor or real estate expert can help you make informed decisions. They can assist in analyzing loan terms, calculating costs, and identifying the best fit for your investment strategy. Remember, the right financing can make the difference between a successful project and a missed opportunity. Private real estate loans offer a flexible and efficient path to achieving your real estate investment goals.

The Advantages of Private Real Estate Loans

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Investing in real estate can be a lucrative venture, but securing the right financing is crucial to success. Whether you are purchasing your first property or expanding your portfolio, understanding the diverse loan options available can help you make informed decisions. This guide explores various real estate financing options, providing practical insights and examples to help you navigate the lending landscape. Exploring Real Estate Financing Options When it comes to real estate financing options, there is no one-size-fits-all solution. Different loans cater to different needs, property types, and investment goals. Here are some of the most common types of loans used in real estate ventures: Conventional Loans: These are traditional loans offered by banks and credit unions. They typically require a good credit score and a down payment of 5% to 20%. Conventional loans are ideal for buyers with strong financial profiles looking for competitive interest rates. FHA Loans: Insured by the Federal Housing Administration, FHA loans are designed for buyers with lower credit scores or smaller down payments. They require as little as 3.5% down and are popular among first-time homebuyers. VA Loans: Available to eligible veterans and active-duty military personnel, VA loans offer competitive rates and often require no down payment or private mortgage insurance. Hard Money Loans: These are short-term loans provided by private lenders. They are based more on the property’s value than the borrower’s creditworthiness. Hard money loans are useful for quick purchases or fix-and-flip projects but come with higher interest rates. Commercial Real Estate Loans: For investors purchasing commercial properties, these loans often have different terms and underwriting criteria compared to residential loans. They may require larger down payments and have shorter repayment periods. Bridge Loans: These short-term loans help buyers bridge the gap between purchasing a new property and selling an existing one. They provide quick cash flow but usually have higher interest rates. Understanding these options allows investors to choose the best fit for their financial situation and investment strategy. Commercial real estate property under development How Long Are Most Real Estate Loans? The duration of real estate loans varies depending on the type of loan and the lender’s terms. Here’s a breakdown of typical loan lengths: Conventional Loans: Usually offered in 15-year or 30-year terms. The 30-year mortgage is the most common, providing lower monthly payments but more interest over time. The 15-year option allows faster equity building and less interest paid overall. FHA and VA Loans: These loans generally follow the same term lengths as conventional loans, with 15 and 30 years being standard. Hard Money Loans: These are short-term loans, often ranging from 6 months to 3 years. They are designed for quick turnaround projects rather than long-term financing. Commercial Loans: Terms can vary widely, typically from 5 to 20 years. Some commercial loans have balloon payments at the end of the term, requiring refinancing or sale of the property. Bridge Loans: Usually last from 6 months to 1 year, providing temporary financing until permanent funding is secured. Choosing the right loan term depends on your investment timeline, cash flow needs, and long-term goals. Shorter terms mean higher monthly payments but less interest, while longer terms reduce monthly costs but increase total interest paid. Key Factors to Consider When Choosing a Loan Selecting the right loan involves more than just comparing interest rates. Here are important factors to evaluate: Down Payment Requirements Some loans require higher down payments, which can impact your upfront cash needs. For example, conventional loans often require 20%, while FHA loans may require as little as 3.5%. Interest Rates and Fees Lower interest rates reduce your monthly payments and total cost. However, watch out for origination fees, closing costs, and prepayment penalties. Credit Score and Financial Health Your credit score influences loan approval and terms. Improving your credit before applying can save you money. Loan-to-Value Ratio (LTV) This ratio compares the loan amount to the property’s value. Lower LTVs typically mean better loan terms. Repayment Terms Understand the length of the loan and whether payments are fixed or adjustable. Purpose of the Loan Different loans suit different purposes, such as purchasing, refinancing, or renovating. By carefully assessing these factors, you can select a loan that aligns with your financial situation and investment objectives. Real estate financing paperwork and calculator Practical Tips for Securing Real Estate Loans Securing financing can be challenging, but these tips can improve your chances: Prepare Your Financial Documents Lenders require proof of income, tax returns, bank statements, and credit reports. Organize these documents in advance. Improve Your Credit Score Pay down debts, avoid new credit inquiries, and correct errors on your credit report. Save for a Down Payment The larger your down payment, the better your loan terms may be. Shop Around Compare offers from multiple lenders to find the best rates and terms. Consider a Mortgage Broker Brokers can help you navigate options and find loans that fit your needs. Understand Loan Terms Read the fine print carefully, especially regarding fees and penalties. Have a Clear Investment Plan Lenders want to see that you have a solid plan for the property, whether it’s rental income, resale, or renovation. By following these steps, you can position yourself as a strong borrower and secure favorable financing. Leveraging Real Estate Loans for Investment Growth Using real estate loans strategically can accelerate your investment growth. Here are some ways to leverage financing effectively: Buy More Properties Loans allow you to purchase multiple properties without tying up all your capital. Renovate and Increase Value Financing renovation costs can boost property value and rental income. Refinance to Access Equity As your property appreciates, refinancing can free up cash for new investments. Diversify Portfolio Use different loan types to invest in residential, commercial, or mixed-use properties. Manage Cash Flow Choose loan terms that balance monthly payments with income from the property. Smart use of loans can help you build wealth faster, but it requires careful planning and risk management. Final Thoughts on Real Estate Financing Options Navigating the world of real estate financing options can seem complex, but understanding the variety of loans available empowers you to make smart investment decisions. From conventional mortgages to hard money loans, each option has unique benefits and considerations. By evaluating your financial situation, investment goals, and loan terms, you can select the best financing path for your real estate ventures. Remember, securing the right loan is a critical step toward building a successful real estate portfolio. Take the time to research, prepare, and consult with professionals to maximize your investment potential. With the right financing, your real estate ambitions can become a reality. Apply Now!

Diverse Loan Options for Real Estate Financing Options

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EBSC Lending has provided $54.0 million in senior construction financing to support the ground-up development of Phase I of a 180-unit multi-housing community in Gainesville, Florida. The financing carries a 48-month, interest-only term and supports the initial phase of a broader mixed-use development planned to meet expanding housing demand in one of Florida’s fastest-growing markets. The project is designed to deliver a high-quality coastal lifestyle residential experience with a strong emphasis on both indoor and outdoor amenity programming. The development will incorporate destination-level resident offerings intended to support long-term demand and an elevated daily living experience. Transaction Overview Phase I will deliver 180 new residential units and a substantial amenity footprint totaling approximately 50,000 square feet of private resident programming. Key features of the Dwell-designed community include: A rooftop pool deck and outdoor lifestyle spaces A restaurant located in the lobby A state-of-the-art fitness center with a covered yoga terrace 24-hour concierge services A pet-friendly resident experience with thoughtful community design The private courtyard will be anchored by a 60-foot-tall native ficus tree and will include outdoor private dining areas for residents, reinforcing the project’s focus on curated outdoor environments and community interaction. In connection with the financing, Martin Alex, CEO – Origination of EBSC Lending, stated, “We are pleased to provide $54 million in senior construction financing for Phase I of this 180-unit multi-housing community in Gainesville, Florida. Demand across Florida remains strong, and Gainesville continues to stand out as a high-growth market. This development will deliver high-quality new housing and an exceptional amenity offering that supports long-term resident demand.” Market Context + What It Means Florida continues to benefit from sustained in-migration, employment growth, and expanding housing demand—particularly in markets where new development can meaningfully contribute to long-term supply needs. Gainesville has increasingly emerged as an attractive growth market, supported by continued local economic expansion and demographic tailwinds. By providing senior, interest-only construction capital with a defined 48-month term, EBSC Lending enabled the sponsor to move forward with Phase I execution while aligning financing with the construction timeline and broader mixed-use business plan. This transaction reflects EBSC Lending’s ongoing commitment to delivering flexible, efficient capital solutions for developers executing ground-up construction in high-growth U.S. markets. Frequently Asked Questions What type of loan did EBSC Lending provide for this project?EBSC Lending provided $54.0 million in senior construction financing for Phase I of a 180-unit multi-housing development in Gainesville, Florida, structured with a 48-month, interest-only term. What makes this project distinctive?The project is designed around a true coastal lifestyle concept, featuring approximately 50,000 square feet of private amenities—including a rooftop pool deck, lobby restaurant, concierge services, and a courtyard anchored by a 60-foot native ficus tree with private outdoor dining areas. Why Gainesville, Florida?Gainesville continues to stand out as a high-growth Florida market with increasing housing demand and long-term economic expansion—making it well-positioned for new residential supply and mixed-use development. What types of projects does EBSC Lending finance?EBSC Lending provides bridge loans, construction loans, and customized private financing solutions across a broad range of commercial and residential real estate asset types nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities

EBSC Lending Provides $54M Construction Loan in Gainesville.

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ORLANDO, FL — EBSC Lending has closed a $27.1 million construction loan to support the development of a new multifamily community in Orlando, Florida. The fully entitled project is scheduled for completion in 2027, with construction commencing immediately. The financing was structured at an 8.75% interest rate, providing 80% loan-to-cost and 70% loan-to-stabilized value. The loan carries an initial two-year term with two extension options and funds the project’s development budget through construction and lease-up following the commencement of operations. Transaction Overview The development is planned on an approximately 25-acre site and will feature 45 residential units, including 11 studios, 19 one-bedroom units, and 15 two-bedroom units, ranging from 950 to 1,200 square feet. Ten units are designated as affordable housing, supporting broader housing accessibility within a high-demand Orlando corridor. Residences will be delivered with high-end finishes, including in-unit washers and dryers, full kitchens with stainless-steel appliances, stone countertops, hardwood flooring, oversized windows, a 24/7 virtual doorman, and Latch-enabled apartment entry systems. Planned on-site amenities include a rooftop deck, gym, package room, basement storage, bike storage, and shared laundry facilities, along with additional community features such as two swimming pools, a fitness center, a basketball court, and a tennis court. The property benefits from a strategic location within walking distance of retail destinations such as Walgreens and Publix, approximately three miles south of the University of Central Florida, and roughly 13 miles east of downtown Orlando. The borrower is an experienced developer with a proven track record, and EBSC Lending’s financing will support land development, vertical construction, and the pre-opening operating budget. In connection with the transaction, Aaron Donovan, Senior Vice President, Portfolio Review at EBSC Lending, stated, “We are pleased to support an experienced development team on a project that brings much-needed housing to a high-demand corridor in Orlando. This development is about more than just building apartments — it's about creating a modern, accessible community that combines design-forward living with affordability. Our financing structure again underscores our commitment to offering creative, reliable capital in growth markets — and we’re proud to back this development from ground-up all the way through lease-up. We’re very proud to participate in a project that prioritizes quality, community, and long-term viability.” Additionally, David Palmer, Vice President of Special Assets at EBSC Lending, noted, “With this project, we’re delivering more than just housing — we’re building a lifestyle. From robust amenity spaces to thoughtful apartment design, this community will provide real value to residents and long-term stability to the local market. This is EBSC Lending's third loan with this developer and our first multifamily loan this year in the Orlando, Florida.” Market Context + What It Means Orlando continues to experience strong population growth, employment expansion, and sustained housing demand, particularly in corridors benefiting from proximity to major universities, retail infrastructure, and transportation networks. New multifamily development remains constrained by rising construction costs and limited access to flexible construction capital, making private financing solutions increasingly important. By structuring a construction loan with competitive leverage, interest-only payments, and extension flexibility, EBSC Lending enabled the sponsor to proceed with development while aligning capital availability with construction milestones and lease-up expectations. This approach reflects the growing role of private lenders in facilitating new housing supply in high-growth U.S. markets. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $27.1 million construction loan with interest-only payments and extension options to support the development and lease-up of a new multifamily community in Orlando, Florida. Why is Orlando an attractive market for multifamily development? Orlando benefits from strong population growth, proximity to major universities, expanding employment sectors, and continued demand for modern rental housing. What is the benefit of this financing structure? The loan’s leverage, fixed-rate pricing, and extension flexibility provide certainty of execution while allowing the sponsor to manage construction and stabilization efficiently. What types of projects does EBSC Lending finance? EBSC Lending provides bridge loans, construction loans, and customized private financing solutions for multifamily, mixed-use, and commercial real estate projects across primary and secondary markets. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/11/19/ebsc-lending-provides-$27.1-million-construction-loan-for-new-multifamily-community-in-orlando-florida

EBSC Lending Provides $27.1M Construction Loan in Orlando.

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HOUSTON, TX — EBSC Lending has closed a $26.56 million bridge loan to refinance a mid-rise, loft-style multifamily property located in Houston, Texas. The financing supports the continued lease-up and stabilization of the asset while positioning the borrower for a future agency takeout. The transaction was originated by David Palmer, Vice President of Special Assets at EBSC Lending, and structured to provide non-recourse, bridge-to-agency financing aligned with the property’s business plan and affordability profile. Transaction Overview The subject property is a 60-unit multifamily community originally constructed in the 1980s and later repurposed as a warehouse and distribution center during the 1990s. Acquired in 2019, the building was subsequently redeveloped into a modern, loft-style residential property designed to meet growing demand for adaptive-reuse housing in urban Houston. The community now features a range of amenities, including a fitness center, storage facilities, dedicated parking, and landscaped outdoor areas. Importantly, 20 units—representing approximately 18% of the total—are reserved for affordable housing, contributing to broader housing accessibility within the local market. The bridge loan was structured to provide flexibility throughout the lease-up period while minimizing friction costs ahead of stabilization. In connection with the financing, David Palmer, Vice President of Special Assets at EBSC Lending, stated, “We are proud to provide flexible, non-recourse bridge-to-agency lease-up financing that allows our client to manage the loan seamlessly throughout the lease-up period and transition smoothly into stabilized Agency execution with minimal friction costs.” From the sponsor’s perspective, the transaction supported both investment objectives and affordability goals. Brandon Cooke, the project sponsor, commented, “This transaction not only supports our investment goals but also helps address the critical demand for affordable housing in Houston. Partnering with EBSC Lending made the process efficient and collaborative.” Market Context + What It Means Houston continues to experience strong demand for multifamily housing driven by population growth, employment diversification, and relative affordability compared to other major U.S. metros. Adaptive-reuse projects, particularly loft-style communities, play an important role in meeting renter demand while preserving existing building stock and supporting neighborhood revitalization. At the same time, transitional assets with affordability components often require bridge financing solutions that can accommodate lease-up timelines and future agency execution. Private bridge-to-agency loans enable sponsors to stabilize properties efficiently while maintaining flexibility prior to permanent financing. By delivering a non-recourse bridge loan tailored to the asset’s lease-up profile and affordability mix, EBSC Lending enabled the borrower to advance toward stabilization while maintaining a clear path to long-term agency financing. Frequently Asked Questions What type of loan did EBSC Lending provide for this transaction? EBSC Lending provided a $26.56 million non-recourse bridge loan designed to support lease-up and transition the property toward stabilized agency execution. Why is bridge-to-agency financing important for multifamily properties? Bridge-to-agency financing allows borrowers to refinance or reposition assets during lease-up while preserving flexibility before transitioning to long-term, permanent agency debt. What role does affordable housing play in this project? Approximately 18% of the units are reserved for affordable housing, helping address local housing demand while supporting the property’s long-term stability. What types of multifamily projects does EBSC Lending finance? EBSC Lending finances bridge, construction, and transitional loans for multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Multifamily Bridge Loans – Bridge-to-agency solutions for lease-up and repositioning strategies Multifamily Financing – Acquisition, refinance, and transitional loans for apartment communities View the official announcement: https://www.abladvisor.com/news/41748/ebsc-lending-closes-26-56mm-bridge-loan-to-refinance-multifamily-property

EBSC Lending Closes $26.56M Bridge Loan for Multifamily Refi.

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ALBUQUERQUE, NM — EBSC Lending has arranged a $37.5 million non-recourse construction loan (with standard bad-boy carveouts) to finance the development of a 210-unit, Class A apartment community in Albuquerque, New Mexico. Groundbreaking is scheduled to begin immediately, with project completion anticipated in early 2027. The financing package provides 80% loan-to-cost, 70% loan-to-stabilized value, and carries a 10.75% interest rate. The loan features an initial three-year term with two extension options and fully capitalizes the project’s development budget through lease-up. Transaction Overview The project will consist of 12 residential buildings with a mix of studio, one-bedroom, and three-bedroom units, averaging approximately 900 square feet. The development is designed as a high-quality Class A community intended to meet growing rental demand in the Albuquerque market while offering modern unit layouts and efficient design. The transaction was arranged by EBSC Lending’s capital markets team, led by Martin Alex, CEO of EBSC Lending, and structured to provide certainty of execution, competitive leverage, and flexibility throughout construction and stabilization. The non-recourse structure, combined with extension options and full capitalization through lease-up, allows the sponsor to proceed with development while aligning financing with construction milestones and market absorption. In connection with the transaction, Eric Snyder, Managing Member of the borrowing entity, stated, “We know the EBSC Lending team always advocates strongly on our behalf. Their tenacious efforts and market expertise continue to make our relationship invaluable. This marks our sixth transaction together, and once again their execution was seamless.” Additionally, Martin Alex, CEO of EBSC Lending, noted, “Our approach blends entrepreneurial thinking with deep industry knowledge to deliver real value. We’re not just providing capital—we’re helping clients grow smarter with tailored solutions that traditional lenders can’t match.” Market Context + What It Means Albuquerque continues to attract multifamily investment due to favorable demographic trends, relative affordability, and steady demand for new, high-quality rental housing. Class A developments in well-positioned submarkets benefit from limited competing supply and increasing renter preference for modern amenities and efficient unit designs. At the same time, construction financing for large-scale multifamily projects has become more selective, particularly for non-recourse structures. Private construction lenders play an increasingly important role in enabling sponsors to move forward with projects that might otherwise face delays due to tighter institutional credit conditions. By delivering a non-recourse construction loan with competitive leverage and extension flexibility, EBSC Lending enabled the sponsor to advance development while maintaining alignment between capital availability, construction execution, and long-term stabilization objectives. Frequently Asked Questions What type of loan did EBSC Lending arrange for this project? EBSC Lending arranged a $37.5 million non-recourse construction loan to finance the development and lease-up of a Class A multifamily community in Albuquerque, New Mexico. Why is non-recourse construction financing important? Non-recourse construction financing limits sponsor liability while providing flexibility during development and stabilization, particularly in markets where construction capital is more constrained. What makes Albuquerque an attractive multifamily market? Albuquerque offers relative affordability, population stability, and continued demand for new rental housing, supporting long-term performance for well-located Class A communities. What types of projects does EBSC Lending finance? EBSC Lending provides bridge loans, construction loans, and customized private financing solutions for multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/10/03/stratton-capital-group-structures-$25.7-million-loan-for-senior-housing-development-in-michigan

EBSC Lending Arranges $37.5M Non-Recourse Construction Loan.

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MOREHEAD CITY, NC — EBSC Lending has closed a $19.3 million construction loan to finance the development of a 40-unit luxury multifamily and mixed-use community in Morehead City, North Carolina. The transaction was completed on an accelerated timeline, with EBSC Lending stepping in to replace the original lender just one week before the scheduled closing and funding the loan within 21 days. Transaction Overview The financing supports a new five-story multifamily development located near the recently renovated Carteret General Hospital, as well as multiple employment centers, schools, and retail destinations. The property will feature a mix of studio, one-bedroom, and two-bedroom residences, each designed with high-end finishes including luxury wood flooring, two-tone accent paint, stainless steel appliances, premium kitchen fixtures, and integrated smartbox technology to support modern wiring and high-speed connectivity. Planned amenities include controlled access, concierge service, courtesy patrol, rooftop terraces, and approximately 8,100 square feet of ground-floor retail space. Additional community features will include a tenant lounge and coworking space, clubhouse, swimming pool, outdoor pavilion with grilling areas, playground, and dog park, creating a comprehensive lifestyle-oriented residential offering. The financing was executed under time-sensitive circumstances after the original lender exited the transaction shortly before closing. In connection with the execution, Martin Alex, Chief Executive Officer of EBSC, stated, “When the original lender unexpectedly pulled out just days before closing, our team was able to mobilize quickly and bring the deal across the finish line in three weeks. This is exactly where we see opportunity—in stepping in to deliver certainty for strong projects backed by capable sponsors. This development checked all the boxes.” From the sponsor’s perspective, the transaction reinforced a long-standing relationship with EBSC Lending. The sponsor noted, “We’ve worked closely with EBSC for many years, and they’ve always been outstanding partners. This is an exciting, high-growth area, and we believe this development will attract strong demand from renters seeking spacious, well-appointed living spaces.” The closing marks the sponsor’s second active project in the North Carolina market, with two additional sites currently progressing through the entitlement process. Market Context + What It Means Morehead City continues to benefit from steady population growth, proximity to coastal amenities, and expanding healthcare and employment infrastructure. Demand for modern, well-amenitized rental housing remains strong, particularly for developments that offer both residential and neighborhood-serving retail components. At the same time, construction financing has become increasingly selective, especially for projects requiring speed and certainty under compressed timelines. Private construction lenders capable of executing quickly play a critical role when traditional capital sources are unable or unwilling to perform late in the process. By delivering a rapid, decisive financing solution, EBSC Lending enabled the sponsor to preserve project momentum, avoid delays, and move forward with construction while maintaining confidence in execution and capital certainty. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $19.3 million construction loan to finance the development of a luxury multifamily and mixed-use community in Morehead City, North Carolina. How quickly was the financing completed? EBSC Lending closed the loan within 21 days after stepping in to replace the original lender shortly before the scheduled closing. Why is Morehead City an attractive multifamily market? Morehead City benefits from proximity to healthcare facilities, employment centers, retail destinations, and coastal amenities, supporting strong renter demand for new residential communities. What types of projects does EBSC Lending finance? EBSC Lending provides bridge loans, construction loans, and customized private financing solutions for multifamily, mixed-use, and commercial real estate projects across primary and secondary U.S. markets. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/09/09/ebsc-lending-closes-$19.3-million-construction-loan-for-a-40-unit-luxury-community-property-in-morehead-city-nc

EBSC Lending Closes $19.3M Construction Loan for Luxury Community.

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ELK RIVER, MN — EBSC Lending secures $31M loan for 160-unit luxury independent living community in Elk River, MN. Refinancing retires existing construction loan for long-term stability. The loan features an initial interest-only period followed by a five-year term and is structured as a floating-rate, non-recourse facility, providing flexibility while supporting the continued growth of the sponsor’s senior housing portfolio. Transaction Overview The subject property is a garden-style senior living community offering a full continuum of care, including independent living, assisted living, and memory care services. The community features a mix of studio, one-bedroom, and two-bedroom residences, with floorplans ranging from approximately 410 to 992 square feet. Residents have access to a comprehensive suite of amenities designed to support both lifestyle and wellness, including a fitness center, club room, movie theater, lounges, hair salon, library, dining areas, and outdoor courtyards. In addition to physical amenities, the community provides essential services such as medication management, 24/7 staffing, wellness checks, housekeeping, personal care assistance, laundry services, and chef-prepared meals. The property is situated within walking distance of multiple dining options, retail centers, and green spaces, including Hillside Park, and benefits from proximity to Route 169, which provides direct access to downtown Minneapolis. In connection with the refinancing, David Ross, the Sponsor, stated, “We have worked closely with EBSC Lending before and they've been great partners to us for a number of years. We appreciated the opportunity to work with EBSC Lending again on this important financing. EBSC greatly values our firm-wide relationship and continued partnership in the growth of our seniors portfolio. We look forward to this facility’s success as a great addition to our portfolio.” The transaction reflects an ongoing relationship between EBSC Lending and the sponsor, with a continued focus on senior housing investment and portfolio expansion. Market Context + What It Means Demand for senior housing continues to increase as demographic trends drive growth in the aging population, particularly in suburban markets that offer accessibility, healthcare proximity, and community-oriented living. Properties that provide a full spectrum of care services are well positioned to meet long-term demand while supporting operational stability. At the same time, refinancing construction debt into longer-term, interest-only financing allows sponsors to stabilize assets, improve cash flow, and align capital structures with operational performance. Non-recourse refinancing solutions are especially valuable in the senior housing sector, where flexibility and certainty of execution are critical. By delivering a five-year, non-recourse refinancing loan, EBSC Lending enabled the sponsor to retire construction debt, enhance balance sheet stability, and continue expanding its senior housing portfolio with confidence. Frequently Asked Questions What type of loan did EBSC Lending arrange for this community? EBSC Lending arranged a $31 million non-recourse refinancing loan with an initial interest-only period and a five-year term to retire existing construction financing. What types of services does the community provide? The community offers independent living, assisted living, and memory care, along with wellness, personal care, dining, and housekeeping services. Why is Elk River, Minnesota an attractive senior housing market? Elk River offers suburban accessibility, proximity to retail and green spaces, and convenient highway access to Minneapolis, making it attractive for senior living residents and operators. What types of senior housing projects does EBSC Lending finance? EBSC Lending provides bridge, construction, and refinancing solutions for senior housing, multifamily, mixed-use, and other commercial real estate assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Construction Loans – Customized lending solutions for independent living, assisted living, and memory care communities Multifamily Financing – Acquisition, construction, and refinance loans for apartment and residential communities View the official announcement :: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/09/03/ebsc-arranges-a-$31-million-loan-for-a-160-unit-luxury-independent-living-community-in-elk-grove-mn

EBSC Arranges $31M Loan for 160-Unit Independent Living (Elk Grove).

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GLENDALE, CO — EBSC Lending has closed a $33 million bridge loan to refinance a 170-unit build-to-rent residential community located in Glendale, Colorado, a suburb of Denver. The financing replaced a $19 million construction loan originally secured in 2022 and repositioned the property for continued stabilization and long-term performance. The loan was structured as a non-recourse, interest-only bridge facility with a two-year initial term and two optional six-month extension options, and was executed on an accelerated 45-day closing timeline. Transaction Overview The subject property is a newly completed build-to-rent community, delivered in 2024, offering a mix of two-, three-, and four-bedroom homes ranging from approximately 1,275 to 1,651 square feet. Select residences feature semi-private backyards, while all units include modern finishes and conveniences such as in-unit washers and dryers, ceiling fans, and contemporary layouts designed to meet growing demand for single-family rental living. Community amenities are extensive and include a resort-style swimming pool, fitness center, pickleball court, gaming room, cyber café, athletic and media center, children’s playground, billiards room, and an outdoor lounge with entertainment space, creating a comprehensive lifestyle environment for residents. The property benefits from a prime infill location with direct access to Denver’s Cherry Creek neighborhood and close proximity to Colorado Boulevard, providing convenient connectivity to major retail hubs, the central business district, surrounding suburbs, and Interstate 25. The borrower is a seasoned commercial real estate investor with a track record of enhancing asset value across multiple projects. In connection with the transaction, Martin Alex, Chief Executive Officer of EBSC Lending, stated, “The borrower is a seasoned commercial real estate investor known for consistently enhancing property value. We were pleased to provide highly competitive terms for this returning client.” The financing structure was designed to support the borrower’s ongoing business plan while preserving flexibility during the stabilization period. Market Context + What It Means Demand for build-to-rent communities continues to accelerate across major U.S. metros as renters seek larger living spaces, privacy, and access to suburban amenities without the obligations of homeownership. Denver and its surrounding submarkets have experienced particularly strong demand driven by population growth, employment expansion, and limited for-sale housing inventory. Transitional assets in this sector often require bridge financing solutions that allow sponsors to refinance construction debt, stabilize operations, and position properties for long-term execution. Non-recourse, interest-only bridge loans play a critical role in supporting these strategies by providing certainty of capital while maintaining flexibility ahead of permanent financing. By delivering a $33 million bridge loan on an expedited timeline, EBSC Lending enabled the borrower to retire construction debt, enhance cash flow efficiency, and continue executing the property’s stabilization strategy in a competitive rental market. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $33 million non-recourse bridge loan with interest-only payments to refinance construction debt and support stabilization of a build-to-rent community. Why are build-to-rent communities in demand? Build-to-rent communities offer renters the space and privacy of single-family homes combined with professionally managed amenities, making them attractive in supply-constrained housing markets. Why is Glendale, Colorado a strong location for rental housing? Glendale offers proximity to Denver’s employment centers, retail corridors, and transportation infrastructure, supporting sustained demand for high-quality rental communities. What types of residential projects does EBSC Lending finance? EBSC Lending finances bridge, construction, and transitional loans for multifamily, build-to-rent, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Multifamily Bridge Loans – Bridge-to-stabilization and bridge-to-agency solutions Construction Loans – Ground-up and redevelopment financing for residential and mixed-use projects View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/05/19/ebsc-lending-closes-$33m-bridge-loan-for-build-to-rent-community-in-denver-suburb

EBSC Lending Closes $33M Build-to-Rent Bridge Loan (Denver).

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Parsippany, NJ — April 8, 2025 — Elite Business Service, LLC (EBSC Lending) has closed a $13.0 million bridge loan to refinance a senior housing community located in Parsippany, New Jersey. The transaction was completed on an accelerated timeline, with the financing finalized in 23 business days from the initial capital request. The bridge loan was originated by Martin Alex, Chief Executive Officer of EBSC Lending, and represents another strategic transaction within EBSC Lending’s specialized seniors housing bridge lending platform. Transaction Overview The borrower, a repeat EBSC Lending client, required short-term bridge financing to refinance existing debt and position the property for long-term bank financing. The asset consists of more than 86 assisted living and memory care units and is located within a well-established office park, supporting near-term stabilization and a clear path to permanent takeout. Given the expedited execution timeline, EBSC Lending delivered a tailored bridge solution that included a fully funded reserve for interest, real estate taxes, and insurance, ensuring uninterrupted operations throughout the loan term. The financing was structured with a competitive pay rate, with accruals designed to optimize the interest reserve, and included standard carveout and debt service guarantees to align with the borrower’s long-term objectives. In connection with the transaction, Martin Alex, CEO of EBSC Lending, stated, “We continue to prioritize speed and flexibility, especially in high-demand metropolitan areas. This transaction underscores our commitment to delivering value for our seniors housing clients through customized lending solutions.” Additionally, David Palmer, Vice President of Special Assets at EBSC Lending, noted, “We’re grateful for the opportunity to strengthen our relationship with this client by delivering a strategic bridge loan that aligns with their long-term goals. EBSC remains dedicated to offering innovative and dependable financing to our healthcare partners.” Market Context + What It Means Senior housing assets that provide assisted living and memory care services continue to experience strong demand, particularly in established metropolitan markets with access to healthcare infrastructure and dense population bases. However, transitional properties often require short-term bridge capital to refinance existing obligations and stabilize operations ahead of permanent financing. In this environment, lenders capable of executing quickly and structuring fully reserved bridge loans play a critical role in supporting continuity of care and operational stability. Interest-only bridge structures with funded reserves allow operators to focus on occupancy and performance metrics while maintaining a clear runway to long-term financing. By closing this $13 million bridge loan in just over three weeks, EBSC Lending enabled the borrower to retire existing debt, maintain operational certainty, and position the property for an efficient transition to permanent bank financing. Frequently Asked Questions What type of loan did EBSC Lending provide for this transaction? EBSC Lending provided a $13 million senior housing bridge loan to refinance existing debt and position the property for long-term bank financing. How quickly was the financing completed? The loan closed in 23 business days from the initial capital request. What type of senior housing does the property offer? The community includes assisted living and memory care units, serving seniors with varying levels of care needs. What types of senior housing projects does EBSC Lending finance? EBSC Lending provides bridge, construction, and refinancing solutions for senior housing, multifamily, mixed-use, and other commercial real estate assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Senior Housing Financing – Customized lending solutions for assisted living, memory care, and independent living communities Multifamily Financing – Acquisition, construction, and refinance loans for residential communities View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/04/09/elite-business-service-llc-closes-$13-million-in-bridge-financing-for-senior-housing-community

EBSC Lending Closes $13M Senior Housing Bridge in Parsippany.

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JACKSONVILLE, FL — EBSC Lending has issued a $28.9 million construction loan to a Denver-based commercial real estate developer for the development of a 56-unit multifamily property in Jacksonville, Florida. The five-story building is scheduled for completion in the second quarter of 2026 and will deliver new residential supply to a high-growth Northeast Florida submarket. Transaction Overview The development will feature a mix of studio, one-bedroom, and two-bedroom residences, with four units designated as affordable housing. Each apartment will include in-unit washers and dryers, stainless steel appliances, quartz countertops, and laminate flooring, reflecting modern design standards for urban multifamily communities. Planned shared amenities include a ground-floor tenant lounge, coworking space, rooftop deck with BBQ area, community garden, club room, dog run, and fitness center, supporting both resident convenience and community engagement. The financing was executed under time-sensitive circumstances after the original lender exited the transaction shortly before closing. In connection with the execution, David Palmer, Vice President of Special Assets at EBSC Lending, stated, “We needed to pick up the pieces quickly. Given our history of executed loans, we were able to step in after the original lender pulled out of the deal within a week of the scheduled close and were able to get this across the finish line in 28 days.” Through a creative financing strategy, the EBSC team significantly reduced the borrower’s overall capital costs, generating meaningful savings on interest expenses. The borrower is an experienced Denver-based developer with whom EBSC Lending has previously completed transactions. Commenting on the relationship, Martin Alex, CEO of EBSC Lending, noted, “The borrower is an experienced developer based in Denver, with whom EBSC has worked on previous loan arrangements. This project marks their second development in the Jacksonville market, with two additional sites currently in the entitlement process. We look forward to furthering our relationship with them as they continue to advance their development pipeline.” Market Context + What It Means Northeast Florida continues to experience sustained population growth, employment expansion, and rising housing demand, driving the need for new multifamily development across both urban and suburban corridors. Projects that combine modern unit design with flexible amenity spaces are particularly well positioned to capture renter demand. At the same time, construction financing remains selective, particularly for projects requiring speed and adaptability after capital disruptions. Private construction lenders capable of stepping in late-stage and structuring cost-efficient capital solutions play a critical role in keeping viable projects on track. By delivering a $28.9 million construction loan on an expedited timeline, EBSC Lending enabled the sponsor to maintain development momentum, reduce financing costs, and advance a growing pipeline of multifamily projects in the Jacksonville market. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $28.9 million construction loan to finance the development of a 56-unit multifamily property in Jacksonville, Florida. How quickly was the financing completed? EBSC Lending closed the loan within 28 days after stepping in following the original lender’s withdrawal. What amenities will the property offer? Amenities include a tenant lounge, coworking space, rooftop BBQ deck, community garden, club room, dog run, and fitness center, along with modern in-unit finishes. What types of projects does EBSC Lending finance? EBSC Lending finances bridge, construction, and transitional loans for multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities View the official announcement: https://finance.yahoo.com/news/ebsc-lending-issued-28-9-013100901.html

EBSC Lending Issues $28.9M Construction Loan for Denver CRE Developer.

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MILWAUKEE, WI — EBSC Lending has successfully closed a $19.5 million first mortgage bridge loan to refinance and lease up a newly completed 57-unit multifamily project located in Milwaukee, Wisconsin. The development also includes ground-floor commercial space, supporting a mixed-use residential environment. Transaction Overview The financing was structured to refinance existing obligations and support the lease-up phase of the completed project. The property consists of 57 residential units, including five units designated for low-income housing, 41 one-bedroom lofts, one one-bedroom penthouse, and four studio units. Each unit features high ceilings, a full suite of appliances including in-unit washer and dryer, and large floor-to-ceiling windows, with 47 residences offering private balconies or patios. In addition to the residential component, the property includes approximately 3,182 square feet of ground-floor commercial space and a 2,900 square-foot outdoor courtyard, enhancing tenant experience and neighborhood activation. The borrower is an institutional real estate investor with a national footprint, managing a portfolio exceeding 10,000 residential units and more than 30 million square feet of commercial space. In connection with the transaction, Martin Alex, Chief Executive Officer of EBSC Lending, stated, “Our client reached out to EBSC Lending for financing due to our well-established reputation for seeking capital solutions for middle-market real estate across the country. With limited new developments and projects in the area, coupled with the strong demographic trends and growth prospects in Milwaukee, we were able to close this deal swiftly and successfully for our institutional investor client. This investment underscores our confidence in Milwaukee's potential and the strength of the Borrower.” Market Context + What It Means Milwaukee continues to benefit from favorable demographic trends, constrained new multifamily supply, and steady demand for modern rental housing. Newly completed projects with high-quality design, outdoor amenities, and mixed-use components are particularly well positioned during lease-up. First mortgage bridge financing plays a critical role in allowing sponsors to stabilize completed assets, improve cash flow, and prepare for permanent takeout financing. Bridge loans structured to support lease-up provide flexibility while preserving optionality in evolving capital markets. By delivering a first mortgage bridge loan tailored to the property’s stabilization profile, EBSC Lending enabled the borrower to refinance efficiently, maintain operational momentum, and position the asset for long-term performance in a growing Midwest market. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $19.5 million first mortgage bridge loan to refinance and support the lease-up of a newly completed multifamily and mixed-use development. Why is first mortgage bridge financing important during lease-up? First mortgage bridge loans allow sponsors to stabilize completed assets, optimize cash flow, and transition efficiently to permanent financing. What makes Milwaukee an attractive multifamily market? Milwaukee offers limited new supply, improving demographic trends, and strong demand for modern rental housing in well-located urban submarkets. What types of projects does EBSC Lending finance? EBSC Lending provides bridge, construction, and transitional financing solutions for multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Multifamily Bridge Loans – Bridge-to-stabilization and bridge-to-agency solutions View the official announcement: https://www.benzinga.com/pressreleases/25/02/g43874773/ebsc-lending-has-successfully-closed-a-19-5-million-first-mortgage-bridge-loan-which-will-be-utili

EBSC Lending Closes $19.5M First Mortgage Bridge Loan.

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UNION CITY, GA — EBSC Lending has provided $23.7 million in refinancing for a 201-unit senior living community located in Union City, Georgia, a southeastern suburb of Atlanta. The financing replaces the project’s existing construction loan and supports continued stabilization and improvement of the property. Transaction Overview The refinancing was structured as a three-year, fixed-rate loan, providing long-term certainty and predictable debt service for the sponsor as the community continues to mature operationally. The senior living campus was developed in phases between 2016 and 2017 and offers a resort-style environment across independent living, assisted living, and memory care services. Amenities at the community include a movie theater, pickleball courts, sports bar and restaurant, convenience store, pool and spa, fitness center, and access to a nearby country club and golf course. Residential unit options include studio, one-bedroom, and two-bedroom layouts, with independent living units ranging from 544 to 1,200 square feet, assisted living units from 465 to 971 square feet, and memory care units sized at 405 and 466 square feet. Commenting on the execution, the sponsor, Steve, stated, “EBSC was patient, communicative, and flexible throughout the process, ensuring the refinance loan was well-suited to both the real estate and our business plan. Once again, their team delivered an optimal result.” From the lender’s perspective, Martin Alex of EBSC Lending explained, “We worked together to create a solution that allows for renovation funds to cover exterior updates and improvements while deferring interior updates to a more favorable time. Additionally, the financing structure includes a three-year term with extension options, offering the sponsor flexibility as they renovate units and execute their business plan. This investment reflects our confidence in the strength and potential of the Atlanta market and the strength of the Borrower.” The refinance structure was designed to support ongoing asset enhancements while preserving flexibility as the sponsor executes phased upgrades and operational initiatives. Market Context + What It Means Senior living communities in the greater Atlanta metro area continue to benefit from strong demographic tailwinds, driven by population growth and increasing demand for age-restricted housing that combines lifestyle amenities with care services. Refinancing stabilized senior housing assets allows owners to replace higher-cost construction debt, fund targeted improvements, and create operational runway during renovation and repositioning phases. Fixed-rate structures with extension flexibility are particularly valuable in managing interest-rate exposure while preserving optionality. By providing $23.7 million in refinancing, EBSC Lending enabled the sponsor to optimize the property’s capital structure, advance exterior improvements, and position the community for long-term stability in a growing suburban Atlanta market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $23.7 million fixed-rate refinance loan for a senior living community in Union City, Georgia. What services does the community offer? The property includes independent living, assisted living, and memory care within a resort-style senior housing campus. How is the loan structured? The loan carries a three-year fixed-rate term, with extension options, and replaces the original construction financing. What types of senior housing assets does EBSC Lending finance? EBSC Lending finances assisted living, independent living, memory care, and other healthcare-oriented real estate through construction, bridge, and refinance solutions nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Refinance and transitional loans Commercial Bridge Loans – Short-term capital for transitional assets Structured & Fixed-Rate Loans – Customized solutions for stabilized properties

EBSC Lending Provides $23.7M Refi for 201-Unit Senior Living.

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BAY HARBOR ISLANDS, FL — EBSC Lending has closed a $20 million construction loan to finance the development of a ground-up luxury rental community in Bay Harbor Islands, Florida. The project will deliver 110 luxury residences supported by five-star service and a comprehensive suite of amenities. Construction on the first building is expected to commence in June, with completion projected for Summer 2027, while the full master plan is anticipated to be completed by the end of 2028. Transaction Overview The financing was structured as a three-year floating-rate construction loan with one four-year extension option, providing flexibility throughout the multi-phase development timeline. The project is strategically located between the Bal Harbour Shops and Indian Creek, offering residents proximity to premier retail, dining, and coastal amenities in one of South Florida’s most sought-after residential enclaves. The sponsor collaborated with EBSC Lending to establish a construction financing solution aligned with its long-term vision for high-end rental living. In connection with the transaction, the sponsor stated, “We are fortunate to collaborate with EBSC Lending on this new credit facility, and we appreciate their support. This construction loan reinforces our vision and confidence in EBSC Lending. The project will provide renters with high-quality residences, designed with the same elegance and style as our custom homes. We are dedicated to introducing buildings that enhance luxury rental living throughout Florida.” EBSC Lending structured the loan to support efficient construction execution and ongoing cash-flow needs throughout the build. Commenting on the transaction, Martin Alex, principal and cofounder of EBSC Lending, remarked, “Understanding their needs allowed us to create a financing structure that will assist them in achieving their business goals. The sponsor is an experienced builder in Florida and a long-term client of EBSC Lending. We have a skilled in-house construction team that recognizes how crucial regular cash flow and a straightforward draw process are for expediting project completion. Our commitment to client satisfaction motivates us to provide outstanding service and quick funding for construction draws, ensuring seamless and stress-free project management. We are excited to complete luxury rental projects in one of the fastest-growing markets in the country with one of the top residential developers in the Miami area.” Construction will be completed in three phases. The first phase will introduce the first of two nine-story buildings, delivering 22 luxury rental residences with two- to four-bedroom floorplans, a structured parking garage, and an amenity-rich rooftop featuring a swimming pool, fitness facilities, and sundeck. The sponsor brings a strong development background, having previously developed, built, and sold luxury residential projects in New York, Las Vegas, Miami, and Los Angeles, often achieving above-market pricing. Market Context + What It Means Bay Harbor Islands continues to evolve into an exclusive luxury rental destination, benefiting from its waterfront setting, proximity to Miami’s most affluent neighborhoods, and a growing pipeline of high-profile residential developments. Demand for professionally managed, design-forward rental communities remains strong as renters seek luxury accommodations without the long-term commitment of ownership. In this environment, construction financing solutions that offer flexibility, responsive draw processes, and certainty of execution are critical. Private construction lenders play an increasingly important role in supporting phased luxury developments that require consistent capital access over extended timelines. By delivering a $20 million construction loan tailored to the project’s phased execution, EBSC Lending enabled the sponsor to advance development while maintaining alignment between capital availability, construction milestones, and long-term market positioning. Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $20 million construction loan to finance the ground-up development of a luxury rental community in Bay Harbor Islands, Florida. How is the project being developed? The project will be completed in three phases, beginning with the first of two nine-story residential buildings and expanding to a total of 110 luxury rental residences. Why is Bay Harbor Islands attractive for luxury rental development? Bay Harbor Islands offers proximity to premier retail, dining, and waterfront amenities while maintaining a boutique, community-oriented atmosphere within the Miami market. What types of residential projects does EBSC Lending finance? EBSC Lending finances construction, bridge, and transitional loans for luxury rental, multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Construction Loans – Ground-up and phased construction financing for luxury and multifamily developments Commercial Bridge Loans – Short-term financing for transitional and stabilized assets Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities View the official announcement: https://www.sfnet.com/home/industry-data-publications/the-secured-lender/tsl-express-daily-articles-news/tsl-express-daily-articles-news/2025/01/21/ebsc-lending-closed-$20-million-construction-loan-for-luxury-rental-community

EBSC Lending Closes $20M Luxury Rental Community Construction.

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With experts forecasting a potential decline in mortgage rates throughout 2025, we could witness a resurgence in demand—but only for lenders who are ready to adapt to the shifting market. This means embracing innovation, streamlining processes, and using data-driven insights to maintain a competitive edge. While predictions suggest that mortgage rates will gradually decrease in 2025, it's important not to become complacent. The market remains volatile, influenced by factors like inflation and economic policy that could cause unexpected changes. Below are the predictions from leading industry experts for 2025, covering interest rates, housing inventory, and the hottest real estate markets: Mortgage rates in 2024 have stayed high for the most part. The average rate for a 30-year fixed mortgage was 6.72% in December 2024, pricing many potential buyers out of the market and keeping would-be sellers stuck in their current homes. While predictions for mortgage rates in 2025 vary, the consensus is that rates will remain elevated. Most experts forecast that the average 30-year fixed mortgage rate will stay between 5.75% and 7.25% throughout the year. "From an affordability perspective, we think 2025 will look a lot like 2024, with mortgage rates above 6 percent, home price growth easing from recent highs but staying positive, and supply remaining below pre-pandemic levels," said Mark Palim, Fannie Mae Senior Vice President and Chief Economist. "Still, heightened mortgage rate volatility may present opportunities for would-be homebuyers to take advantage of temporary lows, and we may see stretches where housing activity is boosted by lower rates — but, on average, we expect mortgage rates to remain elevated and a hindrance to activity. While we think conditions on a national basis will remain challenging, we're seeing meaningful regional differences in market conditions, and the homebuying experience — as the adage goes — will continue to be a local one. For example, in the Sun Belt, where construction has been robust for a few years and homebuilders are targeting first-time homebuyers with some offerings, we expect to see relatively strong housing activity. By comparison, we're not expecting to see the same in the supply-constrained Northeast. And while we foresee the current affordability crunch hampering activity through our forecast horizon, we expect nominal wage growth will outpace home price growth for the first time in more than a decade in 2025, slowly but surely providing some much-needed relief to potential homebuyers." Here are additional predictions from other trusted sources: Fannie Mae: Forecasts a drop in 30-year mortgage rates to 6.20% by year-end, with a further dip to 6.10% in 2026. Realtor: Predicts mortgage rates will remain slightly above 6%. Mortgage Bankers Association (MBA): Foresees rates declining to 6.4% by the end of 2025. CNBC: Experts suggest rates will stabilize around 6%. Redfin: Offers a more cautious outlook, predicting rates could approach 7%. Freddie Mac: Their December outlook anticipates mortgage rates to decline "very gradually" in 2025. National Association of Realtors (NAR): NAR's forecast has rates ending 2024 at 6.1% and dipping to 5.8% by late 2025, with rates possibly rising again to 6.1% in 2026. National Association of Home Builders (NAHB): Predicts an average of 6.36% for mortgage rates in 2025, with a further decrease to 5.93% in 2026. Although these forecasts may not be as optimistic as hoped, mortgage rates remain susceptible to change. Key influencing factors include: Inflation: In 2024, the Federal Reserve brought inflation closer to its 2% target. This progress, alongside signs of a slowing labor market, led the Fed to implement three rate cuts this year. If inflation continues to subside, further rate cuts in 2025 could lower mortgage rates in the second half of the year. Federal Reserve Policy: While the Fed's rate cuts may bring down mortgage rates, the 2025 monetary policy will be closely tied to inflation trends. Should inflation rise again during President Trump's second term, as some economists predict, the Fed might adopt a more cautious fiscal policy. Economic Growth: During periods of strong economic growth, yields on 10-year Treasury bonds typically rise. Since these bond yields are closely linked to mortgage rates, an increase in their yields could lead to higher mortgage rates. As a result, if the U.S. economy continues to expand in 2025, mortgage rates may remain on the higher side. Sources: Fannie Mae, Realtor.com, Mortgage Bankers Association (MBA), CNBC, Redfin, Freddie Mac, National Association of Realtors (NAR), National Association of Home Builders (NAHB), Bloomberg News, S&P Global. Loan Programs Construction Loans Cannabis Real Estate Loans Commercial Bridge Loans C-PACE Capital Solutions Fix & Flip Loans Hard Money Loans Lines of Credit Mezzanine Loans Multifamily Bridge Loan Rental Investments Loans SUBMIT A NEW DEAL. Please call (949) 229 6155 or email deals to info@EBSC-LLC.com to discuss your transaction today. Our goal is to respond to your inquiry within 24 hours, preferably the same day. If available, please include an executive summary.

Real Estate Market Predictions for 2025 | EBSC Lending

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IRVINE, CA — Elite Business Service, LLC (EBSC Lending), together with its affiliates, has provided a $31.1 million construction and stabilization loan to finance a seven-story, mixed-use multifamily development located in Los Angeles’ historic Hollywood neighborhood. The project combines micro-unit multifamily housing with ground-floor retail, addressing strong urban rental demand in one of Southern California’s most supply-constrained submarkets. The financing supports a New York–based, vertically integrated real estate development firm with more than 60 completed projects nationwide. The sponsor specializes in the design, construction, and management of micro-unit, traditional, and furnished rental housing, with a focus on efficient urban living. The loan was arranged by Leslie Augustin, Senior Vice President of Loan Processing & Servicing at EBSC Lending, and structured to support both construction execution and the transition to stabilized operations. “We are excited to support this project in a submarket poised for long-term growth,” said Martin Alex, CEO and President of EBSC Lending. “Hollywood’s central location and ongoing redevelopment position this property for sustained demand and long-term success.” Transaction Overview The development will consist of 109 fully furnished micro-units, organized into 35 residential pods, supported by 100 parking spaces and approximately 1,000 square feet of retail space. Unit configurations include two-, three-, four-, five-, and six-bedroom micro-suites, with an average pod size of approximately 1,150 square feet. Each unit will be delivered turnkey, featuring high-quality furnishings such as murphy bed/sofa systems, wall-mounted televisions, wardrobes, personal refrigeration, cabinetry, shared kitchen facilities, and soft goods. The amenity package includes a two-level parking garage with automated lift systems, community and fitness spaces, courtyard areas, rooftop deck, spa, dog run, and secure bicycle storage. Why This Financing Structure Worked for a Mixed-Use Multifamily Development in Hollywood Mixed-use multifamily development in Los Angeles—particularly in established neighborhoods like Hollywood—requires financing that accounts for construction complexity, phased lease-up, and multiple income streams. Traditional institutional lenders often struggle to underwrite projects that combine residential density with retail components and alternative unit configurations such as micro-housing. EBSC Lending structured this $31.1 million private loan to align with the project’s construction timeline, lease-up strategy, and long-term stabilization objectives. By focusing on asset fundamentals, sponsor experience, and neighborhood demand drivers, EBSC Lending was able to deliver capital with the speed, certainty, and flexibility required for execution in a competitive urban infill market. Hollywood’s proximity to major employment centers, transit infrastructure, and entertainment corridors continues to support strong renter demand. Flexible private financing allowed the sponsor to move forward decisively without the constraints often imposed by conventional construction lenders. Sponsor Perspective The sponsor commented: “Working with the EBSC team was a pleasure. They share our vision for creating a multifamily property that is both aspirational and attainable, serving the evolving Hollywood submarket. EBSC provided a creative and flexible financing package that allowed us to execute our business plan efficiently and meet the demands of urban renters.” Frequently Asked Questions What type of loan did EBSC Lending provide for this project? EBSC Lending provided a $31.1 million construction and stabilization loan for a mixed-use multifamily development in Hollywood, Los Angeles. Why is mixed-use multifamily development attractive in Los Angeles? Mixed-use multifamily projects maximize land efficiency in dense urban markets, combining residential demand with neighborhood-serving retail while supporting long-term value creation. Who qualifies for similar financing from EBSC Lending? EBSC Lending works with experienced sponsors, developers, and investors seeking private bridge, construction, or transitional financing for commercial and multifamily real estate projects nationwide. How quickly can EBSC Lending close transactions? Depending on deal complexity, EBSC Lending can close transactions in as little as 10–20 business days, offering speed and certainty of execution. Related EBSC Lending Financing Programs EBSC Lending provides customized private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Construction Loans – Ground-up and redevelopment financing for multifamily and mixed-use projects Multifamily Financing – Acquisition, construction, and refinance loans for apartment and mixed-use properties Recent Transactions & Case Studies – A nationwide portfolio of closed EBSC Lending transactions Recent Transactions & Case Studies – A nationwide portfolio of closed EBSC Lending transactions See the original press release on https://www.multifamilybiz.com/pressreleases/17620/ebsc_lending_provides_311million_loan_for_mixeduse...

EBSC Lending Provides $31.1M Mixed-Use Multifamily in LA.

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PHILADELPHIA, PA — EBSC Lending has originated an approximately $18.7 million construction loan to support the completion of a 189-unit, Class A multifamily building The property is located in the Rittenhouse Square neighborhood of Philadelphia, one of the city’s most prestigious and supply-constrained residential districts. Transaction Overview The 18-month construction loan was extended to repeat EBSC client Coley O’Brien, an experienced sponsor specializing in institutional-quality middle-market acquisition and development. The sponsor’s platform focuses on luxury townhomes, condominiums, mixed-use multifamily properties, and structured credit strategies, with more than $700 million in projects developed nationwide. At the time of financing, the project was approximately 60% complete, with four units pre-sold, prompting the sponsor to refinance into a more efficient and flexible capital structure as market demand continued to strengthen. The financing allowed construction to resume immediately following project approvals from the City of Philadelphia. The property is situated in Rittenhouse Square, a historic and highly desirable neighborhood originally planned by William Penn as one of the city’s five public parks. The location is surrounded by high-rise residential towers, luxury retail, restaurants, and cultural institutions, and benefits from excellent public transportation access, making it attractive to professionals, families, and downsizers seeking an urban lifestyle. Commenting on the market and project fit, Leslie Augustin, Senior Vice President of Loan Processing & Servicing at EBSC Lending, stated, “This area is part of Greater Center City, which has the third-largest downtown residential population in the U.S., after New York and Chicago. This project is a great addition to our mid-construction loan program, where we provide funding for projects nearing completion. We are thrilled to partner once again with our trusted sponsor to bring another in-demand multifamily development to market in the high-barrier Rittenhouse Square neighborhood.” The sponsor also noted, “Choosing a financing partner like EBSC was a real blessing. At the start of the year, the project was about 60% complete, and with four units pre-sold, we felt it was wise to refinance into a more efficient and flexible financing structure as demand for units grew. As always, EBSC provided certainty of execution, allowing us to resume construction immediately when Philadelphia gave the green light for the project.” Market Context + What It Means Rittenhouse Square remains one of the most competitive and supply-constrained multifamily submarkets in the Northeast, supported by high barriers to entry, strong renter demand, and limited new development opportunities. Mid-construction financing plays a critical role in enabling sponsors to complete projects efficiently once initial capital structures no longer align with market conditions. Private lenders capable of underwriting partially completed assets and delivering fast execution provide essential liquidity in urban core markets where timing, approvals, and demand dynamics are highly sensitive. By originating an $18.7 million construction loan for this project, EBSC Lending enabled the sponsor to complete a high-quality multifamily development in one of Philadelphia’s most sought-after neighborhoods. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending originated an $18.7 million mid-construction loan for a Class A multifamily development. How large is the project? The development includes 189 residential units in a Class A multifamily building. What is the loan term? The loan carries an 18-month term, designed to support construction completion. What types of multifamily projects does EBSC Lending finance? EBSC Lending finances construction, mid-construction, bridge, and refinance transactions for multifamily and mixed-use assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Construction & Mid-Construction Loans – Financing for projects nearing completion Multifamily Financing – Ground-up, transitional, and stabilized assets Commercial Bridge Loans – Short-term capital for complex real estate transactions.

EBSC Lending Originates $18.7M 189-Unit Construction in Philadelphia.

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NEW YORK, NY — EBSC Lending has provided a $17.5 million refinance loan secured by a 127-unit multifamily property located in the Fort George neighborhood of New York City. The financing supports a stabilized apartment community with strong transit access and neighborhood connectivity. The loan was originated by Martin Alex, Chief Executive Officer of EBSC Lending. Transaction Overview The subject property is a garden-style multifamily community comprised of eight residential buildings offering a mix of one-, two-, and three-bedroom units. Residents benefit from a broad amenity package that includes a fitness center, laundry facilities, swimming pool, outdoor grilling area, dog park, playground, and pickleball court. EBSC Lending structured the financing as a non-recourse, fixed-rate loan with a five-year term, 30-year amortization, and interest-only payments for the full duration of the loan, providing predictable debt service and enhanced cash-flow flexibility for the borrower. From a location standpoint, the property is situated in the Fort George neighborhood, within walking distance to the M-train and multiple bus routes, and offers convenient access to Route 9, which runs from the George Washington Bridge in Manhattan to Interstate 87 near the U.S.–Canada border. Commenting on the transaction, Martin Alex, CEO of EBSC Lending, said, “EBSC Lending's well-diversified lending platform and our longstanding multifamily experience mean that we can get creative when helping our clients find the right financing terms in most markets. Our goal is to help our clients bring the vision for their properties to life, and we work to ensure that every phase of loan transaction is executed seamlessly.” The borrower also highlighted the execution process, noting, “Our experience with EBSC Lending was exceptional. Their deep market knowledge allowed them to quickly grasp the details of the deal, offer the best terms, and underwrite and close the loan in a timely manner,” said Michael Weinberg in prepared remarks. Market Context + What It Means Transit-oriented multifamily assets in New York City continue to demonstrate resilience due to sustained rental demand, limited developable land, and proximity to public transportation. Garden-style communities with robust amenity offerings are particularly attractive to renters seeking value, space, and accessibility within urban neighborhoods. Refinance transactions that combine fixed-rate pricing with long amortization and interest-only periods allow owners to stabilize cash flow while maintaining flexibility in uncertain interest-rate environments. Private lenders capable of tailoring loan structures to local market dynamics remain critical partners for multifamily owners in dense urban markets. By providing a $17.5 million refinance loan, EBSC Lending enabled the borrower to optimize the property’s capital structure while preserving long-term operational stability. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $17.5 million non-recourse, fixed-rate refinance loan for a multifamily property in New York City. How is the loan structured? The loan carries a five-year term, 30-year amortization, and interest-only payments for the entire loan term. What are the key features of the property? The property includes 127 units across eight buildings with extensive on-site amenities and strong public-transit access. What types of multifamily assets does EBSC Lending finance? EBSC Lending finances multifamily, mixed-use, and commercial real estate through refinance, bridge, construction, and permanent loan solutions nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Multifamily Refinance Loans – Fixed-rate and transitional solutions Commercial Bridge Loans – Short-term financing for stabilized or transitional assets Permanent & Structured Loans – Customized capital for income-producing properties

EBSC Lending Provides $17.5M Multifamily Refi in New York.

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MACON, GA — EBSC Lending has closed $31.8 million in construction financing for the development of a 104-unit senior living community located in Macon, Georgia. The financing supports a purpose-built campus designed to deliver assisted living, independent living, and memory care services within a single community. Transaction Overview The project will be developed as a three-story senior living community encompassing 55 assisted living units, 37 independent living units, and 20 memory care beds, providing a full continuum of care for residents. The community is designed to deliver both clinical support and hospitality-driven services, including transportation services, coordinated outings, a dedicated culinary team, community programming, and 24/7 care. Planned amenities span both residential units and common areas. Community spaces will include a fitness center, dining room, theatre room, salon, pickleball courts, mini-golf course, art studio, and an outdoor fireplace. Residential units will feature vinyl flooring, granite countertops, ceiling fans, central air conditioning, walk-in closets, and private appliances, along with senior-focused safety features such as automatic shower temperature limit controls, interior corridor handrails, and emergency call systems in every unit. The development is strategically located adjacent to Interstate 75, placing it within 10 miles of downtown Macon and in proximity to upscale shopping centers and affluent suburban neighborhoods, supporting both accessibility and long-term demand. The transaction involved meaningful structuring complexity, including the integration of federal low-income housing tax credits, which are awarded through a highly competitive process. Commenting on the execution, the sponsor, a seasoned local owner-operator, stated, “This project overcame a lot of obstacles in the financing. One particularly challenging aspect of the transaction involved the percent federal low income housing tax credits, because they are awarded on a competitive basis and the competition can be rigorous. EBSC Lending has much experience with and knowledge of the tax credit application process. The team’s experience and perseverance really paid off in order to get us to the closing.” EBSC Lending structured the construction financing to align with the project’s development timeline while addressing regulatory, tax-credit, and operational considerations unique to senior housing assets. Market Context + What It Means Senior housing demand continues to rise across secondary and tertiary U.S. markets as demographic trends drive growth in the aging population. Communities that integrate assisted living, independent living, and memory care within a single campus are increasingly favored for their operational efficiency and resident continuity of care. Projects that incorporate affordable or tax-credit components require lenders with specialized experience navigating regulatory approvals, competitive credit allocations, and layered capital stacks. Private lenders with healthcare and senior housing expertise are essential to advancing these developments from concept to completion. By closing $31.8 million in construction financing, EBSC Lending enabled the sponsor to move forward with a complex senior living development that expands care capacity and enhances housing options in the Macon market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided $31.8 million in construction financing for a senior living community in Macon, Georgia. What types of care will the community offer? The project will include assisted living, independent living, and memory care, totaling 104 units and beds. What makes this transaction complex? The financing required coordination with federal low-income housing tax credits, which are awarded through a competitive application process. What types of senior housing projects does EBSC Lending finance? EBSC Lending finances construction, bridge, and transitional loans for senior living, assisted living, memory care, and healthcare-related real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Construction and transitional loans Construction Loans – Ground-up development financing Commercial Bridge Loans – Short-term capital for complex real estate assets

EBSC Lending Closes $31.8M Senior Living Construction in Macon.

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BOUNTIFUL, UT — EBSC Lending has closed a $14.46 million refinance loan secured by an assisted living and memory care community located in Bountiful, Utah, a suburban market situated between Salt Lake City and Ogden. The financing supports a stabilized healthcare asset that has undergone operational and physical enhancements since acquisition. Transaction Overview The borrower is a hospitality-focused ownership group with a deep track record as developers, owners, and operators in the Utah market. Since acquiring the property in 2019, the sponsor implemented a series of value-add initiatives aimed at expanding care capacity and improving operating performance. Key improvements included an expansion of memory care capacity to meet increasing demand for high-quality memory care services and securing a zoning amendment that increased allowable density to 73 beds. The sponsor also increased occupancy levels, improved operational performance, and engaged a new management company to oversee day-to-day operations. The community offers a comprehensive service and amenity package, including personalized care, healthcare coordination, chef-prepared meals, housekeeping services, and secure courtyards, all within a home-like residential environment designed to support resident comfort and well-being. The refinance loan was structured with three years of interest-only payments under EBSC Lending’s interim loan program, providing the borrower with cash-flow flexibility and a streamlined capital structure. Commenting on the transaction, the borrower stated, “As always, we are excited to work with EBSC Lending on this project. This is a property that will benefit the local community for years to come.” Market Context + What It Means Demand for assisted living and memory care facilities continues to rise as demographic trends drive growth in the senior population, particularly in suburban markets with strong healthcare infrastructure and limited new supply. Refinancing solutions that recognize operational improvements, regulatory enhancements, and stabilized occupancy are critical for senior housing owners seeking to optimize capital structures while maintaining quality of care. Private lenders with healthcare expertise are uniquely positioned to underwrite these assets and provide flexible interim financing. By closing a $14.46 million refinance loan, EBSC Lending enabled the sponsor to consolidate prior debt, capitalize on operational gains, and position the community for long-term stability and continued service to the local market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $14.46 million refinance loan for an assisted living and memory care community. How is the loan structured? The loan includes three years of interest-only payments under EBSC Lending’s interim loan program. What improvements were made to the property? The sponsor expanded memory care capacity, increased allowable bed count through zoning, improved operations, and upgraded management. What types of senior housing assets does EBSC Lending finance? EBSC Lending finances assisted living, memory care, independent living, and other healthcare-oriented real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Refinance and transitional loans Interim Loan Programs – Interest-only bridge solutions Commercial Bridge Loans – Short-term capital for transitional assets

EBSC Lending Closes $14.46M Refi for Assisted Living in Bountiful.

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LOS ANGELES, CA — EBSC Lending has arranged $31.2 million in construction financing for a luxury senior living community currently under development in Los Angeles, California. The project encompasses approximately 172,163 square feet and represents a significant expansion into one of the nation’s most competitive senior housing markets. The borrower is an experienced senior living operator with an established footprint in the Southeastern United States, with a primary operational focus in Florida. The transaction was led by Brian Stark of EBSC Lending. Transaction Overview The development will consist of three buildings situated across a 7.8-acre campus and will deliver a total of 198 units, including catered living, assisted living, and memory care accommodations. The community is designed to provide a hospitality-forward experience, featuring gourmet restaurant-style dining, boutique hotel-inspired interiors, and a comprehensive suite of luxury amenities tailored to senior residents. The financing was structured during a period of rising interest rates and heightened capital market volatility, requiring a disciplined and collaborative underwriting approach. In connection with the transaction, David Palmer, Vice President of Special Assets at EBSC Lending, stated, “This deal had tremendous headwinds, given the rising interest rates. Working together with the sponsor, we were able to structure the deal with favorable terms and sizing parameters that allowed us to preserve millions of dollars. We regard healthcare as highly strategic. We are committed to the future of this growing sector and to supporting our healthcare clients.” EBSC Lending’s construction financing solution was designed to support the project through vertical development while maintaining flexibility across execution milestones and long-term operational objectives. Market Context + What It Means Senior housing demand continues to accelerate as demographic trends drive growth in the aging population, particularly in major metropolitan markets with strong healthcare infrastructure and access to specialized services. Luxury senior living communities that integrate hospitality-level amenities with comprehensive care offerings are increasingly attractive to residents and operators alike. At the same time, rising interest rates have introduced complexity into construction financing for healthcare assets. Lenders capable of structuring resilient capital solutions that balance leverage, cost of capital, and execution certainty are critical to advancing projects in this environment. By arranging $31.2 million in construction financing, EBSC Lending enabled the sponsor to move forward with a large-scale luxury senior living development while navigating market headwinds and preserving project economics. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending arranged $31.2 million in construction financing for a luxury senior living development in Los Angeles. What types of care will the facility offer? The community will include catered living, assisted living, and memory care units across three buildings. How large is the development? The project totals approximately 172,163 square feet on a 7.8-acre campus and includes 198 residential units. What types of healthcare projects does EBSC Lending finance? EBSC Lending provides construction, bridge, and transitional financing for senior living, assisted living, memory care, and healthcare-related real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Construction and transitional loans Construction Loans – Ground-up financing for complex developments Commercial Bridge Loans – Short-term capital for transitional assets

EBSC Arranges $31.2M LA Luxury Senior Living Construction.

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ISELIN, NJ — July 23, 2024 — EBSC Lending has arranged a $45 million construction loan to finance the development of a luxury apartment community with ground-floor retail space in Iselin, New Jersey, a transit-oriented submarket benefiting from strong regional connectivity and sustained residential demand. The 24-month, non-recourse construction loan features a fixed interest rate, full-term interest-only payments, and two 12-month extension options, providing the sponsor with certainty of capital and execution flexibility throughout construction and stabilization. Transaction Overview (EBSC Lending). The development consists of a luxury multifamily apartment community comprising three four-story residential buildings totaling 214 apartment units, with a planned second phase expanding the project to 320 units. The property will include underground and surface-level parking and approximately 9,200 square feet of retail space, supporting a mixed-use residential environment. Residences will be built with hardwood flooring, granite countertops, and in-unit washers and dryers, while the community will offer a comprehensive amenity package designed to compete with top-tier Class A properties. Planned amenities include a fully equipped fitness center, rooftop terrace, grilling and outdoor gathering areas, catering kitchen with storage, multipurpose rooms, yoga room, pet washing stations, bicycle storage rooms, and an outdoor swimming pool. The property is located minutes from major transportation corridors, including the Garden State Parkway, New Jersey Turnpike, and Routes 1, 9, 18, 27, and 287, and is in close proximity to the Metropark transit station, offering direct commuter access throughout the region. In structuring the financing, EBSC Lending focused on providing a solution aligned with construction timelines and market conditions at a time when construction lending has become increasingly difficult to obtain. As part of the transaction, Leslie Augustin, Senior Vice President at EBSC Lending, noted that “in a market where construction lending has become more challenging to obtain, we were able to effectively advocate for our client and negotiate a favorable term, including a non recourse and no prepayment penalty.” This approach allowed the sponsor to proceed with development while preserving flexibility and limiting recourse exposure. Market Context + What It Means. Northern New Jersey continues to experience strong demand for high-quality rental housing driven by constrained new supply, proximity to employment centers, and access to regional transit infrastructure. Submarkets such as Iselin benefit from commuter accessibility to New York City while offering residents modern housing alternatives outside the urban core. At the same time, construction financing has tightened significantly, with traditional lenders applying more conservative underwriting standards and limiting non-recourse options. Private construction loans that offer interest-only structures and extension flexibility have become an essential component of the capital stack for sponsors seeking to advance projects despite capital market headwinds. By delivering a non-recourse construction loan with structured extension options, EBSC Lending enabled the sponsor to move forward with development while maintaining alignment between capital availability, construction execution, and long-term stabilization objectives. EBSC Lending - Frequently Asked Questions. What type of loan did EBSC Lending arrange for this project? EBSC Lending arranged a $45 million non-recourse construction loan with interest-only payments and extension options to support the development of a luxury multifamily and retail community in Iselin, New Jersey. Why is Iselin, New Jersey an attractive multifamily market? Iselin offers strong commuter connectivity, access to major highways, and proximity to the Metropark transit station, making it an appealing location for renters seeking modern housing with regional access. What is the benefit of non-recourse construction financing? Non-recourse construction loans limit sponsor liability while preserving flexibility during construction and lease-up, particularly in markets where capital constraints and construction costs are elevated. What types of projects does EBSC Lending finance? EBSC Lending provides bridge loans, construction loans, and customized private financing solutions for multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized commercial real estate assets Ground-Up Construction Loans – Customized construction financing for multifamily and mixed-use developments Multifamily Financing – Acquisition, construction, and refinance loans for apartment communities

EBSC Lending Arranges $45M Luxury Apartment Construction Loan.

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LOS ANGELES, CA — EBSC Lending has closed a $47.54 million permanent placement loan to finance a luxury apartment complex located in Downtown Los Angeles. The long-term financing, placed with a top-tier insurance company, replaces a maturing construction loan and provides durable capital for stabilized operations. The loan was originated on behalf of the borrower by David Palmer, Vice President, and Leslie Augustin, Senior Vice President of Loan Processing & Servicing. Transaction Overview The subject property is a 203-unit, 22-story luxury apartment tower completed in 2022 and situated in the heart of Downtown Los Angeles. The community offers a diverse mix of studio, one-bedroom, two-bedroom, and four-bedroom floorplans, catering to a broad tenant base seeking urban convenience and high-end living. Residents benefit from on-site parking with immediate access to Interstate 10, along with nearby bus and light rail transit options. The amenity program includes a fitness center, outdoor pool with cabanas, outdoor grilling areas, clubhouse, coffee bar, dog run, fitness classes, and 24/7 concierge services. Interiors feature top-of-the-line stainless steel appliances, quartz countertops, and soft-close kitchen drawers. From the elegant ground-floor lobby to a relaxation deck with resort-style pool and sunbeds, the property delivers approximately 7,000 square feet of indoor and outdoor amenities, supporting a premium resident experience. In connection with the transaction, the sponsor stated, “It's always a pleasure to work with EBSC Lending on this transaction. Securing a loan in today’s economic climate speaks to the confidence we have in their team and the excellence of this project. Our firm values building long-term partnerships, and we will work with them again in the future.” EBSC Lending structured the permanent placement to align with the asset’s stabilized profile, replacing construction debt with long-term capital and enhancing balance-sheet certainty. Market Context + What It Means Downtown Los Angeles continues to attract demand for high-quality rental housing supported by transit access, employment centers, and lifestyle amenities. For newly stabilized luxury assets, permanent placement financing provides predictability of debt service and positions owners for long-term value preservation. Insurance-company capital remains a preferred takeout for stabilized, institutional-quality multifamily assets, particularly when paired with disciplined underwriting and strong sponsorship. Lenders capable of transitioning projects from construction to permanent financing play a critical role in de-risking assets at stabilization. By closing a $47.54 million permanent placement loan, EBSC Lending enabled the sponsor to retire construction debt, secure long-term financing, and continue operating a flagship luxury property in a core Los Angeles submarket. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $47.54 million permanent placement loan to replace a maturing construction loan. Who provided the permanent capital? The loan was placed with a top-tier insurance company, delivering long-term financing stability. What are the property’s key features? The property includes 203 units, a 22-story tower, extensive amenities, transit accessibility, and premium in-unit finishes. What types of multifamily assets does EBSC Lending finance? EBSC Lending provides construction, bridge, and permanent placement solutions for multifamily, mixed-use, and commercial real estate assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Permanent Placement Loans – Long-term financing for stabilized assets Construction-to-Permanent Financing – Seamless transitions from build to stabilization Multifamily Financing – Acquisition, construction, bridge, and refinance solutions

EBSC Lending Closes $47.54M Loan for Luxury Apartments.

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CARMICHAEL, CA — EBSC Lending has arranged a $76 million construction loan to Hillcrest Management for the development of an ultra-luxury senior living community located in Carmichael, a suburb within the Greater Sacramento metropolitan area. The project is scheduled for completion in October 2025 and has been designed to deliver a hospitality-driven experience comparable to a five-star hotel. Transaction Overview The senior living development will encompass approximately 264,355 square feet on 10 acres of landscaped grounds and will serve seniors with low- to moderate-income levels. Upon completion, the community will include 129 independent living units, 50 assisted living units, and 40 memory care beds, offering a comprehensive continuum of care within a single campus. The development will feature three levels of above-grade residential space and one below-grade parking level. Amenities are designed to foster engagement, wellness, and social interaction and will include a fireside living room, library, theater, sunrooms, and multiple dining venues such as a restaurant, private family dining room, casual café, and bistro lounge. Commenting on the project’s mission, Matt Snyder, Chief Operating Officer of Hillcrest Management, stated, “Affordable seniors housing is essential to our communities, and as the population gets older, the need for housing is greater. A lot of seniors are living in naturally occurring seniors housing—staying in their homes or renting traditional apartments—so they are living within the confines of housing that is inaccessible for daily living and that does not have a community. With developments like this, we’re giving people a new lease on life. We’re giving them the opportunity to have a community with services and activities, which they wouldn’t get if they were living in houses or in garden apartments.” The facility has been designed with a strong emphasis on energy efficiency and sustainability. Planned green features include solar panels for community and outdoor lighting, insulated walls, ceilings, floor joists, and roofs, and energy-efficient roofing with recycled content manufactured in ISO 14001-certified facilities. Additional sustainability measures include zero-VOC interior paints, formaldehyde-free insulation, fiber cement siding with recycled content, drought-tolerant landscaping, and a quarter-mile walking path integrated into the site. From the lender’s perspective, Martin Alex, CEO of EBSC Lending, noted, “We plan to continue to grow our seniors housing lending platform over the course of this year. This financing package represents an important milestone for EBSC Lending as we expand our seniors’ housing efforts. We will continue to be active in the sector and are confident that this asset class will remain stable as markets improve. We believe transaction volume will remain strong and capital will remain available for experienced owners and operators for the foreseeable future.” Market Context + What It Means Senior housing demand continues to increase as demographic trends drive growth in the aging population, particularly in suburban markets that combine accessibility, healthcare proximity, and community-oriented living. Developments that integrate affordability, hospitality-level amenities, and sustainability are well positioned to meet evolving resident expectations. Large-scale senior housing construction projects require lenders capable of underwriting complex development risk, long timelines, and operational nuance. Private lenders with balance-sheet flexibility play a critical role in enabling sponsors to deliver thoughtfully designed communities that address both housing and care needs. By arranging a $76 million construction loan for this project, EBSC Lending enabled Hillcrest Management to advance a significant senior housing development that combines affordability, sustainability, and high-quality services in the Greater Sacramento market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending arranged a $76 million construction loan to finance the development of a senior living community in Carmichael, California. What types of housing will the community include? The project will include independent living, assisted living, and memory care, totaling 219 residential units and beds. When is the project expected to be completed? The development is scheduled for completion in October 2025. What types of senior housing projects does EBSC Lending finance? EBSC Lending finances construction, bridge, and transitional loans for senior living, assisted living, memory care, and healthcare-related real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Construction and expansion loans Construction Loans – Ground-up development financing Commercial Bridge Loans – Transitional capital for complex real estate assets

EBSC Lending Arranges $76M Loan for Hillcrest.

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IRVINE, CA — EBSC Lending has completed $39.3 million in balance-sheet financing across a series of senior housing and healthcare-related transactions, reinforcing the firm’s continued activity in the seniors housing sector. The transactions were executed by EBSC Lending’s Senior Housing and Healthcare Finance team, led by Senior Vice President Aaron Donovan, and reflect EBSC’s ability to structure flexible capital solutions across multiple asset types and markets. Transaction Overview The $39.3 million financing package included multiple senior housing transactions tailored to different asset profiles and capital needs. One transaction consisted of a $15.9 million first mortgage loan secured by a 69-unit assisted living, memory care, and short-term rehabilitation community located in Palm Beach County, Florida. The full-service senior living healthcare community is situated near the gates of Walt Disney World and within four miles of Florida Hospital Celebration Health, offering a strong healthcare-oriented location. The loan was structured as a two-and-a-half-year facility with two years of interest-only payments, providing flexibility during stabilization and operations. The community features a robust amenity package, including two restaurants, a spa, an all-purpose room, a state-of-the-art movie theater, and a top-floor solarium. The sponsor operates senior housing communities across Texas, Colorado, Utah, Idaho, Washington, Arizona, and Colorado, and this transaction represents the second senior living financing EBSC Lending has completed for the sponsor. The transaction was arranged by Managing Director Martin Alex and Senior Vice President Aaron Donovan. In addition, EBSC Lending closed a $23.4 million permanent, floating-rate loan secured by a 101-unit independent and assisted living facility with a memory care component located in Vineland, New Jersey. The refinancing was executed through EBSC Lending’s Structured Fixed Rate Program (SFRP) loan product and addressed a complex underwriting profile. Commenting on the execution, the sponsor, Troy Ballard, stated, “The creativity, flexibility and perseverance of the entire EBSC team was outstanding. This transaction presented unique challenges through the underwriting process. Even though there are always many moving parts in a complicated transaction like this, the EBSC team quickly pulled together a well-written application. The result: we received a firm commitment within 10 days of application, and the loan closed approximately 22 days later. It was a superb performance.” Market Context + What It Means Senior housing and healthcare real estate continues to require specialized underwriting, particularly for assets that combine assisted living, memory care, and rehabilitation components. Transactions often involve operational complexity, regulatory considerations, and the need for capital structures that balance stability with flexibility. Balance-sheet lenders capable of executing both bridge-style first mortgages and permanent refinancing solutions play a critical role in supporting senior housing sponsors across varying stages of asset performance. Programs such as EBSC Lending’s SFRP enable borrowers to refinance stabilized assets while navigating complex underwriting requirements efficiently. By completing $39.3 million in seniors housing financings across multiple transactions, EBSC Lending demonstrated its ability to deliver reliable execution, tailored structuring, and speed across a range of healthcare-oriented real estate assets. Frequently Asked Questions What types of transactions were included in the $39.3 million financing? The financing included a $15.9 million first mortgage loan for an assisted living and memory care community in Florida and a $23.4 million permanent refinance loan for a senior living facility in New Jersey. What is EBSC Lending’s SFRP loan product? The Structured Fixed Rate Program (SFRP) is designed to provide refinancing solutions for stabilized assets that require flexible structuring and efficient execution. How quickly were these transactions completed? One transaction received a firm commitment within 10 days of application and closed approximately 22 days later. What types of senior housing assets does EBSC Lending finance? EBSC Lending finances assisted living, independent living, memory care, and skilled nursing facilities, as well as other healthcare-related real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Housing & Healthcare Financing – Bridge, permanent, and transitional loans First Mortgage Loans – Senior secured financing for healthcare real estate Structured Loan Programs – Customized capital solutions for complex assets

EBSC Lending Completes $39.3M Balance-Sheet Loan (Senior).

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GARFIELD HEIGHTS, OH — EBSC Lending has provided $51.8 million in financing to support the expansion of a senior living and skilled nursing community located in Garfield Heights, Ohio, a suburb of Cleveland. The financing supports a significant campus expansion designed to enhance care offerings and increase capacity across multiple service lines. Transaction Overview The expansion encompasses approximately 294,083 square feet and will introduce a four-story independent and assisted living building featuring 86 new residential units. In addition, the project includes construction of a two-story skilled nursing building and a two-story health center that will house physical and occupational therapy facilities as well as memory care suites. Construction commenced in June 2021, and the newly expanded facilities are scheduled to open in January 2025. Upon completion, the project will significantly broaden the community’s continuum of care, allowing the operator to serve residents across independent living, assisted living, skilled nursing, and specialized memory care services. The borrower is a regional owner-operator with an established operating platform, currently managing a portfolio of 12 senior living communities across western U.S. markets. EBSC Lending structured the financing to support long-term expansion while aligning with the borrower’s operational and growth objectives. The loan features a 60-month term with one 12-month extension option, providing flexibility through construction completion, lease-up, and stabilization. The financing was originated by Martin Alex and Brian Stark on behalf of the borrower. Market Context + What It Means Demand for senior living, assisted living, and skilled nursing facilities continues to increase as demographic trends drive growth in the aging population. Communities that offer an integrated continuum of care are particularly well positioned to meet resident needs while supporting long-term operational stability. Large-scale expansion projects require lenders capable of underwriting healthcare assets, construction risk, and operational performance over extended timelines. Private lenders with experience in senior housing and healthcare real estate play a critical role in enabling owner-operators to modernize facilities, add capacity, and enhance care delivery. By providing $51.8 million in expansion financing, EBSC Lending enabled the borrower to advance a major campus redevelopment, strengthen service offerings, and position the community for long-term demand in the Cleveland suburban market. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $51.8 million loan to finance the expansion of a senior living and skilled nursing community. What is being added as part of the expansion? The project adds 86 independent and assisted living units, a skilled nursing building, and a health center with therapy facilities and memory care suites. What is the loan term? The loan carries a 60-month term with one 12-month extension option. What types of healthcare projects does EBSC Lending finance? EBSC Lending provides construction, bridge, and expansion financing for senior living, assisted living, skilled nursing, and healthcare-related real estate nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Healthcare & Senior Housing Financing – Expansion, construction, and transitional loans Construction Loans – Ground-up and campus expansion financing Commercial Bridge Loans – Short-term capital for transitional real estate assets

EBSC Lending Provides $51.8M Financing in Garfield Heights.

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AUSTIN, TX — EBSC Lending has provided a $59 million construction loan for a mixed-use development currently underway in Austin, Texas. The financing was originated by Martin Alex of EBSC Lending, with Aaron Donovan and Brian Stark leading the underwriting and closing efforts. The borrower is a local Austin-based developer that will use the loan proceeds to complete construction of the project and refinance existing debt. Transaction Overview The mixed-use project will comprise three buildings totaling approximately 201,821 square feet upon completion. The developer originally acquired the site in December 2020 and has advanced the project through entitlement and development planning prior to securing construction financing. EBSC Lending structured the construction loan to support the project through completion while providing refinancing of existing obligations, allowing the sponsor to maintain momentum and streamline the capital stack. The financing aligns with the borrower’s execution timeline, with the project scheduled for completion in 2025. The transaction highlights EBSC Lending’s ability to support complex mixed-use developments by delivering construction capital that accommodates both vertical development and balance-sheet optimization through debt refinancing. Market Context + What It Means Austin continues to rank among the most active development markets in the United States, driven by population growth, corporate relocations, and sustained demand for mixed-use environments that integrate residential, commercial, and lifestyle components. Mixed-use projects of scale often require construction financing that can address extended development timelines while accommodating refinancing of legacy debt. Private lenders capable of underwriting large, multi-building projects play a critical role in enabling developers to execute efficiently in competitive markets. By providing a $59 million construction loan, EBSC Lending enabled the borrower to move forward with completion of a sizable mixed-use project while maintaining flexibility across the capital structure. Frequently Asked Questions What type of loan did EBSC Lending provide? EBSC Lending provided a $59 million construction loan for a mixed-use development in Austin, Texas. How will the loan proceeds be used? Proceeds will be used to complete construction of the project and refinance existing debt. How large is the development? The project will consist of three buildings totaling approximately 201,821 square feet. What types of projects does EBSC Lending finance? EBSC Lending provides construction, bridge, and transitional financing for mixed-use, multifamily, commercial, and specialty real estate assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Construction Loans – Ground-up and large-scale development financing Commercial Bridge Loans – Short-term capital for refinancing and transitions Mixed-Use Financing – Customized solutions for integrated real estate developments

EBSC Lending Provides $59M Construction Loan in Austin

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EBSC Lending has provided a $25 million senior credit facility to Metro Capital, supporting the firm’s near-term execution and longer-term growth strategy within the real estate investment sector. The facility reflects an ongoing financing relationship between the two parties and marks the third lender-finance transaction completed together. Transaction Overview The senior credit facility was structured to provide Metro Capital with flexible capital to support investment activity across its nationwide platform. The initial advance under the facility will be deployed toward secured investment condominium properties, with mortgage loan borrowers acquiring assets for investment purposes. The customized structure allows Metro Capital to efficiently scale acquisitions while maintaining alignment between collateral, leverage, and deployment timelines. The facility’s senior position provides certainty of execution and supports disciplined growth across multiple markets. Commenting on the partnership, Jeffrey Wolfer, Executive Chairman of Metro Capital, stated, “We are very excited about the financial partnership with EBSC Lending. The customized financial arrangement allows Metro Capital to execute on our excellent near- and longer-term growth strategies. As a result of this transaction, Metro Capital will be able to expand its established nationwide leadership position in the real estate industry.” The repeat nature of the relationship underscores EBSC Lending’s role as a long-term capital partner capable of structuring senior credit solutions that evolve alongside a sponsor’s platform and growth objectives. Market Context + What It Means Sponsors operating at scale often require programmatic senior credit facilities that can be deployed efficiently across multiple transactions rather than asset-by-asset financings. Senior facilities tailored to specific acquisition strategies—such as investment condominium portfolios—enable sponsors to move quickly while maintaining underwriting discipline. In a selective credit environment, private lenders with the ability to structure repeatable, customized senior facilities play a critical role in supporting sponsor growth. Long-standing lender relationships further streamline execution and reduce friction as capital needs evolve. By providing a $25 million senior credit facility, EBSC Lending enabled Metro Capital to continue expanding its investment footprint while reinforcing a trusted, multi-transaction partnership. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $25 million senior credit facility to support real estate investment activity. How will the initial advance be used? The first advance will be used to finance secured investment condominium properties acquired for investment purposes. Is this the first transaction between EBSC Lending and Metro Capital? No. This facility represents the third lender-finance relationship between EBSC Lending and Metro Capital. What types of sponsors does EBSC Lending work with? EBSC Lending works with experienced real estate sponsors and investors, providing senior credit facilities, bridge loans, and customized financing solutions nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Credit Facilities – Programmatic financing for repeat acquisitions Investment Property Loans – Financing for residential and commercial investment assets Commercial Bridge Loans – Short-term capital for acquisitions and transitions

EBSC Lending Provides Senior Credit Facility to Metro Capital

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EBSC Lending has closed a $33.2 million senior secured credit facility for a privately held company, providing a flexible capital structure to support acquisition activity and ongoing working capital needs. EBSC Lending served as the administrative agent on the senior credit facilities. The financing package consisted of a $19.0 million revolving asset-based line of credit and a $14.2 million real estate term loan, structured to address both liquidity and long-term asset financing requirements. Transaction Overview The borrower is a post-acute care provider operating 11 facilities across four states. Proceeds from the real estate term loan were used to finance the acquisition of a skilled nursing facility, while the revolving line of credit provided incremental working capital to support operations and growth. EBSC Lending structured the senior secured facility to align with the sponsor’s priorities, balancing acquisition financing with operational flexibility. In connection with the transaction, Aaron Donovan, Senior Vice President of EBSC Lending, stated, “Understanding a client’s needs and priorities enables us to develop a creative financing solution that fully supports their goals.” The transaction also reflects continued momentum across EBSC Lending’s platform. Commenting on activity levels, Martin Alex, President of EBSC Lending, noted, “This has been a very busy year for us, the busiest for us since our inception.” He added, “I have a team that has an unwavering commitment to excellence and we are proud to support our clients and we look forward to working with them again as they continue to grow.” As administrative agent, EBSC Lending coordinated the senior credit facilities, ensuring efficient execution and alignment across the capital structure. Market Context + What It Means Post-acute care operators often require multi-component capital solutions that combine real estate financing with revolving liquidity to manage acquisitions, staffing, and operating expenses. Senior secured credit facilities that integrate asset-based lending with real estate term loans are particularly effective for sponsors operating across multiple facilities and jurisdictions. In a selective credit environment, private lenders capable of structuring and administering complex senior facilities play a critical role in enabling healthcare operators to execute acquisitions while maintaining operational resilience. Acting as administrative agent further streamlines execution and oversight for borrowers navigating multi-faceted financings. By closing this $33.2 million senior secured facility, EBSC Lending enabled the sponsor to complete a strategic acquisition, enhance liquidity, and continue scaling its post-acute care platform. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $33.2 million senior secured credit facility, including a $19.0 million revolving asset-based line of credit and a $14.2 million real estate term loan. How were the loan proceeds used? The real estate term loan financed the acquisition of a skilled nursing facility, while the revolving line of credit provided working capital. What role did EBSC Lending play in the transaction? EBSC Lending served as the administrative agent on the senior credit facilities. What types of borrowers does EBSC Lending finance? EBSC Lending provides senior secured credit facilities, asset-based loans, bridge loans, and real estate financing for healthcare operators, real estate investors, and operating companies nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Secured Credit Facilities – Integrated ABL and real estate financing solutions Asset-Based Lines of Credit – Working capital facilities secured by operating assets Healthcare & Senior Housing Financing – Customized solutions for post-acute and skilled nursing operators

EBSC Lending Closes $33.2M Senior Secured Credit Facility

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IRVINE, CA — EBSC Lending closed more than 27 real estate transactions in 2023, issuing over $427 million in financing commitments to real estate borrowers nationwide. Throughout the year, EBSC Lending supported the financing and growth initiatives of existing clients while also expanding its platform to include 16 new borrowers, including a record seven new borrowers in the fourth quarter of 2023. Transaction Overview EBSC Lending’s portfolio growth in 2023 reflects both increased deal activity and the firm’s ability to execute consistently in a volatile capital markets environment. By year-end, the portfolio expanded to include 171 borrowers, representing relationships across more than 41 private equity sponsors and over 15 real estate subsectors. This growth represents a 31% increase over 2022, positioning EBSC Lending among the largest and most diversified middle-market private lending platforms in the industry. The firm’s ability to maintain momentum during periods of market disruption was driven by its reliable execution, speed of funding, and long-standing sponsor relationships, which allowed EBSC Lending to remain active even as broader market opportunities slowed. Commenting on the year’s performance, Aaron Donovan, Senior Vice President of EBSC Lending, stated, “While 2023 was an unprecedented year in many respects, we experienced a significant increase in new deal activity. When new market opportunities slowed significantly, we maintained a steady flow of activity as we continued to execute on behalf of our existing borrowers. We are excited to carry the momentum from the end of 2023 into 2024 and make it the strongest year in our history.” Market Context + What It Means The 2023 lending environment was marked by higher interest rates, tighter credit conditions, and reduced transaction volume across much of the commercial real estate sector. In this environment, borrowers increasingly relied on private capital providers with the ability to structure flexible solutions and deliver certainty of execution. EBSC Lending’s ability to grow commitments and borrower relationships during this period highlights the importance of relationship-driven lending, balance-sheet capital, and disciplined underwriting. As traditional lenders retrenched, private lenders with experienced teams and established sponsor networks played a critical role in sustaining deal flow and supporting borrower objectives. Entering 2024, the firm is positioned to build on this momentum as market participants seek adaptable financing solutions in an evolving capital markets landscape. Frequently Asked Questions How many transactions did EBSC Lending close in 2023? EBSC Lending closed more than 27 real estate transactions during the 2023 calendar year. What was the total financing commitment volume in 2023? Total financing commitments issued by EBSC Lending in 2023 exceeded $427 million. How did EBSC Lending’s borrower base change in 2023? The firm expanded its portfolio to 171 borrowers, representing a 31% increase over 2022 and including 16 new borrower relationships. What types of borrowers does EBSC Lending work with? EBSC Lending works with middle-market real estate sponsors, including private equity firms and experienced operators across multiple property types and subsectors. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and stabilized real estate assets Construction Loans – Ground-up and redevelopment financing solutions Multifamily Financing – Acquisition, construction, and refinance loans for residential communities

EBSC Lending Closes 27+ Deals; $427M Commitments in 2023

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MIAMI, FL — EBSC Lending has provided $41.7 million in short-term first mortgage debt to Apex Financial to acquire a portfolio of nine office, industrial, and flex properties located in Miami, Florida. The financing supported the acquisition of the assets across three separate transactions, enabling consolidation under a single ownership structure. Transaction Overview The portfolio consists of approximately 128,000 square feet across nine properties, with individual buildings ranging in size from 6,000 to 19,000 square feet. The assets are located in a high-demand Miami submarket positioned for continued redevelopment and creative office conversion. Apex Financial plans to reposition the obsolete industrial properties into single-tenant and multi-tenant creative office buildings, aligning the assets with evolving tenant demand and market dynamics. A portion of the loan proceeds will be allocated toward tenant improvements and leasing commissions, supporting the conversion and stabilization strategy. EBSC Lending structured the financing to provide Apex with flexibility and speed of execution while allowing the sponsor to assemble the portfolio efficiently. The first mortgage structure enabled Apex to streamline ownership, fund initial capital improvements, and advance the business plan without fragmentation across multiple capital providers. In connection with the transaction, Martin Alex, President of EBSC Lending, stated, “The combination of a prime location, coupled with strong sponsorship should enable these assets to perform well within the market once the renovations are complete. Our financing will allow Apex to capitalize on the continuing evolution and growth of the Design District.” Market Context + What It Means Miami’s creative office and flex markets continue to benefit from migration trends, tenant demand for adaptive reuse space, and the ongoing evolution of neighborhoods such as the Design District. Repositioning legacy industrial assets into modern office environments has become an effective strategy for sponsors seeking to capture this demand. Short-term first mortgage financing plays a critical role in enabling sponsors to assemble portfolios, fund initial improvements, and stabilize assets ahead of longer-term financing. Private lenders capable of underwriting transitional portfolios and executing across multiple acquisitions provide a significant advantage in competitive markets. By delivering $41.7 million of first mortgage debt, EBSC Lending enabled Apex Financial to consolidate the portfolio, fund early-stage improvements, and position the assets for long-term value creation in one of Miami’s most dynamic submarkets. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided $41.7 million in short-term first mortgage debt to support the acquisition and repositioning of a Miami office and industrial portfolio. How many properties were included in the portfolio? The portfolio includes nine office, industrial, and flex buildings totaling approximately 128,000 square feet. How will the loan proceeds be used? Proceeds were used to acquire the assets, consolidate ownership under a single structure, and fund tenant improvements and leasing commissions. What types of commercial assets does EBSC Lending finance? EBSC Lending provides bridge, acquisition, and transitional financing for office, industrial, flex, multifamily, mixed-use, and commercial real estate assets nationwide. EBSC Lending Provides Apex Financial $41.7M First Mortgage Debt Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Commercial Bridge Loans – Short-term financing for transitional and repositioning assets First Mortgage Acquisition Loans – Capital for portfolio and single-asset acquisitions Value-Add & Repositioning Financing – Funding for tenant improvements and lease-up strategies

EBSC Lending Provides Apex Financial $41.7M First Mortgage Debt

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SAN FRANCISCO, CA — EBSC Lending has funded a $26.0 million asset-based credit facility to a San Francisco–based logistics company that provides mission-critical services to the U.S. military. The financing was utilized to repay an existing lender and provide additional working capital to support the company’s ongoing operations and growth initiatives. Transaction Overview The borrower is an established logistics and services provider specializing in maintenance, supply and warehouse chain management, transportation, information technology, and base operations support personnel, primarily serving government and defense-related contracts. These services are integral to the operational continuity of military installations and require dependable capital support to scale efficiently. EBSC Lending structured the credit facility as an asset-based solution, tailored to the borrower’s operational needs and cash-flow profile. The financing enabled the company to refinance prior debt while also strengthening liquidity to support workforce expansion, inventory management, and contract execution. The transaction reflects EBSC Lending’s ability to underwrite complex operating businesses and deliver flexible capital solutions that extend beyond traditional real estate–only lending, particularly for borrowers operating in specialized or government-focused sectors. Market Context + What It Means Logistics and defense-support companies face increasing demands driven by supply chain complexity, government contracting requirements, and the need for reliable infrastructure and staffing. Access to flexible, asset-based credit facilities allows these businesses to maintain operational readiness while managing working capital efficiently. Traditional lenders often struggle to support companies with specialized assets, contract-based revenue, or rapid scaling needs. Private lenders with asset-based underwriting expertise play a critical role in bridging this gap by delivering customized facilities aligned with real-world operating requirements. By providing this $26 million credit facility, EBSC Lending enabled the borrower to refinance legacy debt, improve balance sheet flexibility, and continue supporting essential logistics and operations for military clients. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $26 million asset-based credit facility to support refinancing and working capital needs. What is the borrower’s business focus? The borrower provides logistics, supply chain, transportation, IT, and base operations support services, primarily for the U.S. military. How were the loan proceeds used? Loan proceeds were used to repay a prior lender and provide incremental working capital for ongoing operations. What types of businesses does EBSC Lending finance? EBSC Lending provides asset-based loans, credit facilities, and structured financing solutions for operating businesses, real estate investors, and developers across the United States. EBSC Lending Funds $26M Credit Facility for Logistics. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions nationwide, including: Asset-Based Loans – Credit facilities secured by receivables, inventory, or other operating assets Lines of Credit – Customized working capital solutions for operating companies Structured Credit Facilities – Tailored financing for complex capital needs

EBSC Lending Funds $26M Credit Facility for Logistics.

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BEL AIR, CA — EBSC Lending, a direct private lender, has successfully funded a $17.9 million bridge loan on a $19 million acquisition for a rare hilltop promontory property located in Bel Air, California. The financing was structured to bridge the borrower’s equity gap in conjunction with existing debt, enabling acquisition of one of the most unique residential sites in the Los Angeles market. The property had not been publicly marketed for more than 40 years and features panoramic views spanning from Downtown Los Angeles to the Pacific Ocean. Transaction Overview The subject site is a highly coveted promontory lot in the heart of Bel Air, offering exceptional privacy, unobstructed sightlines, and long-term development potential. The property carries notable historical significance, having previously been owned by a family member associated with Fleetwood Mac, adding to its provenance within the luxury residential market. The borrower plans to develop a 15,000-square-foot, state-of-the-art luxury estate, designed to maximize privacy, scale, and architectural presence. Upon completion, the finished residence is expected to achieve a sales price in excess of $30 million, positioning the project among the most valuable residential developments in the area. EBSC Lending structured the financing to provide certainty of execution on a time-sensitive acquisition while supporting the borrower’s long-term development vision. The loan enabled the sponsor to close efficiently and secure a generational asset that rarely trades hands in the Bel Air market. The development process is also expected to receive national exposure, with the Bravo TV production team planning to feature the project on an upcoming season of Million Dollar Listing Los Angeles, further underscoring the property’s significance and profile. Market Context + What It Means Ultra-high-net-worth residential development in Los Angeles continues to be driven by scarcity of land, zoning constraints, and demand for bespoke, privacy-oriented estates in premier enclaves such as Bel Air. Promontory lots with unobstructed views and long-term development flexibility represent some of the most valuable residential assets in the market. Acquisitions of this nature often require asset-based bridge financing capable of addressing equity gaps, timing constraints, and complex capital stacks. Private lenders with the ability to underwrite unique collateral and execute quickly play a critical role in facilitating transactions that traditional financing sources are often unable to support. By funding this acquisition, EBSC Lending enabled the borrower to secure a once-in-a-generation asset and move forward with a high-profile luxury development positioned for outsized value creation. EBSC Lending Funds $17.9M Loan in Bel Air. Frequently Asked Questions What type of loan did EBSC Lending provide for this transaction? EBSC Lending provided a $17.9 million asset-based bridge loan to support the acquisition of a premier Bel Air development site. Why was bridge financing required? The loan was structured to bridge an equity gap alongside existing debt, allowing the borrower to close efficiently on a rare, time-sensitive acquisition. What is planned for the property? The borrower plans to develop a 15,000-square-foot luxury estate, with projected resale value exceeding $30 million upon completion. What types of residential projects does EBSC Lending finance? EBSC Lending provides bridge, construction, and asset-based financing for luxury residential, multifamily, mixed-use, and commercial real estate projects nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Asset-Based Bridge Loans – Short-term financing secured by high-quality real estate assets Luxury Residential Financing – Customized solutions for high-value residential acquisitions and developments Construction Loans – Ground-up financing for complex residential and mixed-use projects

EBSC Lending Funds $17.9M Loan in Bel Air.

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