Speed is Important. Certainty is Everything.

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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: $10,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 9.76%

  • Term: 12– 36 months

  • Payments: Interest Only with balloon at maturity.

  • Prepayment Penalty: None

  • Amortization: Interest Only.

​Typical Use Cases

  • 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. ​

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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