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Refinance Loan Program.

EBSC Lending

Short-term, asset-based refinance financing for investment and commercial real estate—designed for speed, certainty, and clean payoff execution.

​​EBSC Lending provides refinance capital with a streamlined process built around asset value, in-place performance (or a clear stabilization plan), sponsor capability, and a defined takeout strategy. Our program is structured for borrowers who need responsive underwriting, clear payoff coordination, and execution within tight timelines.

Program Highlights.

Loan Program Overview.

  • Refinance and cash-out for multifamily, mixed-use, and select commercial use case

  • Payoff of maturing debt, recapitalizations, and transitional refinance solution

  • Asset-based underwriting with pragmatic sponsor and property-level review

  • Time-sensitive execution for maturity deadlines and urgent payoff scenarios.

Standard Loan Terms.

  • Loan Amount Range: $5,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 9.76%

  • Term: 12– 36 months

  • Payments: Interest Only with balloon at maturity.

  • Prepayment Penalty: None

  • Amortization: Interest Only.

​Typical Use Cases

  • Payoff of maturing bank debt, bridge loans, or private note

  • Refinance to complete stabilization, reposition, or improve DSCR prior to a permanent takeout

  • Sponsor expansion into new markets with institutional-grade reporting

  • Portfolio-level refinances and recapitalizations (case-by-case)
     

Requirements (What We Typically Need)

  • Executive summary + sources/uses + cap stack

  • Current loan statement(s), payoff details, and maturity timeline

  • T-12 financials and trailing operating statements (as applicable)

  • Current rent roll and occupancy/tenant summary (as applicable)

  • Property summary: capex history, planned improvements, and stabilization plan (if needed)

  • ​Complete the loan application form available at https://www.ebsc-llc.com/applynow

  • Exit strategy (sale, refi, permanent takeout) and timeline

 

Origination Points / Deposit Policy.

Origination points are 1–5 points, typically due upfront when the Commitment Letter/Fee Letter is executed (prior to closing). Points vary by loan type, size, and term and cover underwriting, processing, legal, third-party reports (appraisal/environmental), and diligence costs. Fees are non-negotiable; no escrows and not deducted from proceeds—requests to do so are automatic disqualification. If the loan does not fund, the deposit is refunded​

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

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