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EBSC Lending - Insights.

EBSC Lending
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 has arranged a $31 million non-recourse loan  to refinance a 160-unit luxury independent living community  located in Elk River, Minnesota . The financing was used to retire the property’s existing construction loan and position the asset for long-term stabilized operations. 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  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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MICHIGAN  — EBSC Lending has provided $26.2 million in financing  for a 41-unit affordable senior housing community  located in Michigan . The financing supports the long-term preservation and improvement of the property while maintaining its affordable housing designation . Transaction Overview The borrower is a non-profit owner-operator  that will use the loan proceeds to refinance existing debt  and fund capital improvements  across the community. The financing also supports the creation of new loft-style apartments , enhancing unit mix and livability while preserving affordability for senior residents. Planned upgrades include comprehensive improvements to unit interiors, elevators, building exteriors, common areas, and core building systems , among other enhancements. These improvements are designed to extend the useful life of the property, improve resident experience, and ensure ongoing compliance with affordability requirements. EBSC Lending structured the financing to align with the non-profit sponsor’s mission-driven objectives, balancing long-term affordability preservation with the need for modernization and capital investment. Market Context + What It Means Affordable senior housing communities face increasing pressure from rising operating costs, aging building systems, and limited access to flexible capital. Refinancing solutions that pair debt restructuring with capital improvement funding are critical to preserving affordability while ensuring safe, modern living environments for residents. Private lenders with experience financing mission-driven and regulated housing assets play a key role in sustaining affordable housing stock, particularly when projects require tailored underwriting and long-term perspective. By providing $26.2 million in financing, EBSC Lending enabled the non-profit owner to refinance legacy debt, invest in critical upgrades, and preserve an affordable senior housing community for years to come. Frequently Asked Questions What type of financing did EBSC Lending provide? EBSC Lending provided a $26.2 million refinance and improvement loan  for an affordable senior housing community. How will the loan proceeds be used? Proceeds will be used to refinance existing debt , fund capital improvements , and support the creation of new loft-style apartments . What improvements are planned? Upgrades include unit interiors, elevators, building exteriors, common areas, and building systems , among other enhancements. What types of affordable housing projects does EBSC Lending finance? EBSC Lending provides refinance, bridge, and improvement financing  for affordable, senior, multifamily, and mixed-use housing assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Affordable Housing Financing  – Refinance and preservation capital Senior Housing Financing  – Customized solutions for independent and assisted living communities Commercial Bridge Loans   – Transitional financing for regulated and market-rate assets

EBSC Lending Provides $26.2M for 41-Unit Michigan Affordable

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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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IRVINE, CA  — EBSC Lending has provided a $19.47 million refinance loan  secured by a recently completed co-living property  totaling 39,151 square feet  and comprising 57 individual units  in Hollywood, California . The proceeds were used to pay off an existing loan  and recapitalize the property , supporting the borrower’s ongoing lease-up strategy. Transaction Overview The subject asset is a purpose-built multifamily co-living community  located in the heart of the Hollywood submarket. The property’s design and unit configuration are tailored to meet demand from renters seeking flexible housing options with access to shared amenities and efficient layouts. The refinance structure provided the borrower with balance-sheet flexibility while aligning capital with the property’s leasing ramp. In connection with the transaction, Martin Alex, CEO of EBSC Lending , stated, “We are seeing the co-living business model crop up more frequently, as developers continue to respond to renter demand. Hollywood is a perfect submarket for this asset type, as it appeals to the market demographic and is one of the few areas in Los Angeles with ready access to public transportation. We believe the demand for co-living facilities will increase and that Treehouse will become the preeminent co-living community in Los Angeles. Our lending program fits perfectly within the borrower’s business plan as they ramp up their leasing efforts. In this uncertain business cycle, we are happy to provide capital to worthwhile and thoughtful projects.” The financing was structured to support stabilization while preserving optionality for future execution as leasing matures. Market Context + What It Means Hollywood remains one of the most dynamic submarkets in the Los Angeles metro area , driven by its role as the center of the entertainment industry, strong transit connectivity, and sustained demand from young professionals. Co-living properties in transit-accessible neighborhoods are increasingly attractive as affordability pressures persist and renters prioritize location and flexibility. Refinance capital that supports lease-up is particularly important for newly completed co-living assets, where efficient execution and tailored underwriting can accelerate stabilization. Private lenders capable of underwriting emerging housing models play a key role in supporting thoughtful projects during evolving market cycles. By delivering a $19.47 million refinance loan, EBSC Lending enabled the borrower to retire prior debt, recapitalize the asset, and continue executing a leasing strategy aligned with Hollywood’s renter demand profile. Frequently Asked Questions What type of loan did EBSC Lending provide? EBSC Lending provided a $19.47 million refinance loan  secured by a newly completed co-living multifamily property. How were the loan proceeds used? Proceeds were used to pay off an existing loan  and recapitalize the property  to support lease-up. Why is Hollywood a strong location for co-living? Hollywood offers central Los Angeles access , public transportation , and strong demand from young professionals—key drivers for co-living communities. What types of housing projects does EBSC Lending finance? EBSC Lending provides bridge, construction, and refinance solutions  for multifamily, co-living, 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 assets Multifamily Financing   – Acquisition, construction, and refinance loans for residential communities Specialty Housing Financing  – Customized solutions for co-living and alternative housing models

EBSC Lending Provides $19.47M Los Angeles Co-Living Refi

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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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CLEVELAND, OH — January 30, 2024  — EBSC Lending has closed a $22.8 million senior bridge loan  on a mixed-use property  located in Cleveland, Ohio . Loan proceeds were used to refinance existing debt  and provide capital to complete interior renovations, upgrades, and leasing commissions . Transaction Overview The borrower is a Dallas-based sponsor  that acquired the asset several years ago and recently executed a new lease with a large tenant  expected to occupy the majority of the building’s space. The property benefits from a central Cleveland location , offering proximity to downtown as well as immediate access to major highways , supporting tenant demand and leasing velocity. The sponsor required immediate execution  due to signed leases with tenants prepared to occupy the post-renovated space and the need for operating capital to complete the remaining scope of work. EBSC Lending structured a senior bridge loan that allowed the sponsor to finalize renovations and advance leasing without delay. The sponsor’s financial profile, operating experience, and project economics satisfied underwriting requirements efficiently, enabling a swift approval and close . Commenting on the execution, Michael Sleece, the sponsor and a mergers and acquisitions specialist , described EBSC Lending as “professional, engaging and expeditious.”  He added, “I met with the decision makers and they made promises; surprisingly, they kept them. In today’s business climate, there are facilitators and then there are closers – EBSC Lending is a rare combination of both.” Market Context + What It Means Mixed-use assets in central business districts often require transitional financing  to bridge the gap between renovation completion and stabilized occupancy. In markets like Cleveland—where demand is driven by location, accessibility, and creditworthy tenants—timely capital can be the difference between stalled execution and successful lease-up. Senior bridge loans that refinance existing debt while funding capital improvements and leasing costs provide sponsors with the flexibility needed to complete projects and capture stabilized value. Private lenders capable of executing quickly are particularly critical when tenants are ready to take occupancy and timing is essential. By delivering a $22.8 million senior bridge loan on an expedited basis, EBSC Lending enabled the sponsor to complete renovations, honor signed leases, and position the asset for stabilization. Frequently Asked Questions What type of loan did EBSC Lending provide? EBSC Lending provided a $22.8 million senior bridge loan  for a mixed-use property in Cleveland, Ohio. How were the loan proceeds used? Proceeds were used to refinance existing debt , complete interior renovations and upgrades , and fund leasing commissions . Why was speed of execution critical? Tenants had signed leases  and were prepared to occupy the space following renovations, requiring immediate capital to complete the project. What types of assets does EBSC Lending finance? EBSC Lending provides bridge and transitional financing  for mixed-use, office, industrial, multifamily, and other commercial real estate assets nationwide. Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Bridge Loans  – Short-term financing for transitional and value-add properties Commercial Bridge Loans  – Capital for refinancing, renovations, and lease-up Value-Add Financing   – Funding for improvements and stabilization strategies

EBSC Lending Closes $22.8M Mixed-Use Bridge in Cleveland

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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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ALBUQUERQUE, NM  — EBSC Lending has closed a $17.1 million senior bridge loan  to finance the acquisition of a skilled nursing facility  located in suburban Albuquerque, New Mexico . The financing was executed on an expedited basis to accommodate an expiring purchase option , requiring immediate certainty of execution. The borrower is a seasoned owner and operator  in the healthcare sector and intends to refinance the bridge loan with conventional financing within 12 months . Transaction Overview The senior bridge loan was structured to facilitate acquisition while providing capital for facility improvements , enhancements to quality of care , and overall operating performance . Given the time-sensitive nature of the transaction, EBSC Lending delivered a senior bridge structure designed to close quickly while preserving flexibility for the borrower’s near-term takeout strategy. This transaction represents the second financing EBSC Lending has completed for the same borrower in 2023 , reflecting an ongoing relationship built around speed, reliability, and tailored structuring. Earlier in the year, the borrower required a $13.9 million bridge loan  to execute a discounted payoff  of an existing bank loan secured by a 160,000-square-foot, single-story industrial warehouse  located in Macomb County, Michigan . That asset had entered default following the bankruptcy of a major customer in December 2022 . In the months following that refinancing, the borrower’s business stabilized and began generating a growing backlog of prospective clients . EBSC Lending funded the senior bridge loan simultaneously with a working capital facility from a bank , allowing the borrower to expand operations and capitalize on a strengthening pipeline of new business. The successful execution of both financings positioned the borrower to move forward with the skilled nursing acquisition while continuing to scale its broader operations. Market Context + What It Means Skilled nursing facilities often require bridge financing solutions to address acquisition timing, capital improvements, and operational transitions ahead of long-term financing. In many cases, transactions are driven by expiring purchase options or competitive bidding environments that demand rapid execution. At the same time, borrowers with diversified operations or recent credit disruptions may require lenders capable of underwriting complex situations and coordinating across multiple facilities. Senior bridge loans that pair acquisition capital with a clear refinance path provide sponsors with the flexibility to stabilize assets, improve performance metrics, and transition to conventional financing. By delivering a $17.1 million senior bridge loan on an expedited timeline, EBSC Lending enabled the borrower to secure the asset, invest in care quality and operations, and pursue a defined exit strategy within a 12-month horizon. Frequently Asked Questions What type of loan did EBSC Lending provide for this transaction? EBSC Lending provided a $17.1 million senior bridge loan  to support the acquisition of a skilled nursing facility. Why was bridge financing required? The borrower required immediate execution  due to an expiring purchase option and planned to refinance the bridge loan with conventional financing within 12 months. How will the loan proceeds be used? Proceeds will be used to acquire the facility , fund capital improvements , enhance quality of care , and improve operating performance . What types of healthcare and transitional assets does EBSC Lending finance? EBSC Lending provides bridge, acquisition, and transitional financing  for skilled nursing, senior housing, multifamily, industrial, and other commercial real estate assets nationwide. EBSC Lending Closes $17.1M Skilled Nursing Acquisition Bridge Related EBSC Lending Financing Programs EBSC Lending provides flexible private capital solutions across the United States, including: Senior Bridge Loans  – Short-term financing for time-sensitive acquisitions and transitions Healthcare & Senior Housing Financing  – Customized solutions for skilled nursing and care facilities Commercial Bridge Loans  – Capital for transitional real estate and operating businesses

EBSC Lending Closes $17.1M Skilled Nursing Acquisition Bridge

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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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