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EBSC Lending

Ground Up
Construction Loan Program.

A "Ground Up Construction" loan program is designed to provide a streamlined financing solution to build single family, multi-family, and mixed use projects which are entitled or shovel ready. A Ground Up Construction loan is a great fit in the following situations:

(1) For an experienced builder or developer who is looking to capitalize on a new project without waiting on bank financing.

(2) A contractor who owns entitled or shovel ready land but needs the financing to get the project started.

(3) A fix & flip project that has extensive rehab requiring vertical additions or significant horizontal additions to the property

At EBSC Lending, our Ground Up Construction loans close very quickly... in as little as 25 days at rates starting at 10.75%. Our construction loans require very little documentation instead the underwriting is primarily based on the risk of the project itself! Our Ground Up Construction loans are a great way to acquire property to build a single family spec home or multi-family development. Our ground up construction program provides you with the ability to close quickly by using a reliable & experienced lender as your financing partner.


Program Overview.

Loan Amount:    $10,000,000 - $100,000,000
Term Length:    6 - 60 months
Max LTV:    Up to 85% 
Max LTC:    Up to 80%
Amortization:    Interest only
Interest Rate:    Starting at 10.75%
Closing Time:    20 Days
Loan Use:    Purchase, refinance, cash-out,
Construction on Entitled or Shovel Ready Land

EBSC Lending

Loan Fees and Costs

  • Origination Fee: 1% - 5%

  • Processing Fee: Based on Project Size

  • Underwriting Fee: Based on Project Size

Prepayment Penalties

None! (3+ months of minimum interest earned)

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