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Homebuyers Homeowners Investors Business Owners Developers Fix & Flip Build a Home
Development & Construction

From land to certificate of occupancy.

Ground-up construction, land acquisition, vertical development, and stabilization financing — for builders and developers who need capital partners that move with the deal.

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No obligation No hard pull until you're ready Real options, not estimates
Who reaches out to us
  • Financing land acquisition for a residential or mixed-use development
  • Ground-up construction financing for a single-family or multifamily project
  • Vertical construction loan with draw schedule and interest reserve
  • Bridge financing from construction to permanent financing
  • Spec home financing with a lender comfortable with spec builds
  • Need a capital partner who understands development timelines
How it works

How EBBS works for developers

We collect what matters and move you toward options. No teaching inside the intake.

01
Project-first evaluation

We underwrite the project — scope, market, absorption, and your track record. We don't start with your personal credit score.

02
Capital stack clarity

Draw schedules, interest reserves, inspections, extensions. We lay out exactly what the loan looks like before you sign anything.

03
Exit planning from the start

The construction loan is temporary. We plan your permanent financing or sale strategy from the beginning.

Who this is for

This is for you if…

  • ✓You're an active developer or builder with a project in hand
  • ✓You need construction-to-perm financing or a standalone construction loan
  • ✓You're acquiring land and need short-term capital during entitlement
  • ✓You're building spec homes and need a lender who understands the product
  • ✓You have development experience but need a new lending relationship
  • ✓Your deal requires creative structure — bridge, mezz, or hybrid capital
What we look at

The project, the experience, the exit.

Scope, capitalization, draw schedule, and exit strategy. Development deals are underwritten on the project — we start there.

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What happens next

Here's exactly what to expect

1
Walk us through the project
What you're building, where, your experience, and your capital stack.
2
Structure the capital stack
Construction loan, land loan, bridge, or phased financing — built around your project.
3
Underwriting and draws
Draw schedules, inspections, and milestones — we manage the process.
4
Stabilization and exit
Permanent financing, sale, or refinance on completion. We plan the exit from day one.
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Once we see your application come in, we will work up some options for you and let you know what you're looking at.