Business Loans for All Borrowers

Best-Hard-Money-LenderSouth End Capital Corporation “SECC”, founded in February of 2009, is a nationwide, non-conforming lender (CA Finance Lenders License # 603 L334) providing collateralized and uncollateralized loans to business owners and real estate investors directly and in participation with third-party lenders.

SECC offers easy online applications, excellent service, prompt responses, generous compensation to approved partners, and custom tailored loans—we evaluate actual need, not just the application.

Loan Programs Partner With Us

Loan Programs

Business Owners
Property Investors

SECC offers a variety of flexible financing options for the small business owner. We have no collateral requirement, a low credit score minimum, no industry restrictions and bank statement only options. Whether you are seeking a low documentation real estate loan for your business, a flexible line of credit, unrestricted working capital or want to consolidate expensive merchant cash advances into an affordable monthly payment—we have the right financing for you. Apply below to receive your same day pre-approval, no upfront credit pull is required and all business types considered (even home based)!

  • $2,000 to $5,000,000+
  • Rates Down to 5.5%
  • 500+ Credit
  • No Prepay Penalty Options
  • Monthly Payment Options
  • No Collateral Needed
  • 1 Day Closings Available
  • No Restricted Industries
  • Business Lines of Credit
  • Nationwide, US & Canada
Apply Now

SECC’s 1 to 4 unit investment residential loan program is ideal for experienced investors and novices alike. We offer interest only bridge/rehab loans for the short term flipper and fully amortized mortgages for the buy and hold borrower. We require no personal or property income, no primary home ownership, no investment experience and often no credit score when closing in an entityOur bridge/rehab and permanent programs are available nationwide (some location and population restrictions may apply). Blanket loans and foreign national financing also available!

  • $75,000 to $5,000,000+
  • Rates Down to 7%
  • No Credit Score Options
  • To 90% LTV + 100% Rehab
  • Unrestricted Cash-Out
  • No Population Restrictions
  • No Tax Returns/Financials
  • No Prepay Penalty Options
  • 2 to 3 Week Closings
Apply Now

Recent Closings


SBA 7(a) Transportation Co. Debt Refi.
Glen Mills, PA


Bus. Term Wellness Co. Working Cap.
Los Angeles, CA


Dental Practice MCA Consolidation
Orange, TX


SBA 7(a) Medical Practice Expansion
Hawthorne, CA


Bus. Term Marketing Co. Working Cap.
Boca Raton, FL


Bus. Term Trucking Co. Working Cap.
Harrisburg, OR


Bus. Term Gas Co. Start-up Capital
Voorhees, NJ


Bus. Term Tree Service Working Cap.
Lancaster, CA


Multifamily Cash-Out Refinance
Shelby, NC


Due Diligence Cost Bridge Financing
Charlotte, NC


Bus. Term Logging Co. Working Cap.
Lawrenceville, VA


Bus. Term Trucking Co. Working Cap.
Suwanee, GA

Home Care

Bus. Term Home Care Working Cap.
Coral Gables, FL

Motel 6

SBA 7(a) Motel Cash-Out Refinance
Waco, TX

Logging # 3

Bus. Term Logging Co. Working Cap.
Brodnax, VA

Realtor Pic

Bus. Term Real Estate Co. Working Cap.
Herrin, IL

Retail Building Pic

Retail Store Cash-Out Refinance
Los Angeles, CA

Vacation Company

Bus. Term Vacation Co. Working Cap.
Bakersfield, FL

MixedUse 071216 Levell

Mixed-Use Cash-Out Refinance
Brookdale, CA

Logging # 2

Bus. Term Logging Co. Equipment.
Bolton, NC


Bus. Term Social Services Working Cap.
Las Vegas, NV


SBA 7(a) Inn Cash-Out Refinance
Olympia, WA


SBA 7(a) Warehouse Purchase
Perrysburg, OH


NOO SFR Purchase & Rehab
Beaufort, SC

Arc Logging Pic

Bus. Term Logging Co. Working Cap.
Appomattox, VA


Business Term Attorney Working Cap.
Nyack, NY


NOO SFR Refinance & Rehab
Norwich, CT


NOO SFR Purchase & Rehab
Gastonia, NC


NOO SFR Purchase & Rehab
Westmont, IL


Bus. Term Temp Agency Working Cap.
Twin Falls, ID


Bus. Term Trailer Park Working Cap.
Salisbury, NC

For rent property mgmt

Bus. Term RE Mgmt. Working Cap.
Gresham, OR

auto dealer 2

Bus. Term Auto-Dealer Working Cap.
Boise, ID

Auto Dealer

Bus. Term Auto-Dealer Working Cap.
Tuskegee, AL

Sports Surfing

Bus. Term Sports Agency Working Cap.
Carlsbad, CA

ALF picture

Business Term Adult Care Expansion
Niles, OH

Truck Shop 2

SBA 7(a) Trucking Co. Expansion
Brookings, OR


SBA 7(a) Assisted Living Refinance
Santa Barbara, CA


Business Term Retail Working Cap.
Jamaica, NY

Freight Pic

Business Term Freight Co. Working Cap.
Frisco, TX


NOO 3 Family Cash-Out Refinance
Philadelphia, PA


SBA 7(a) Retail Cash-Out Refinance
Daytona Beach, FL


NOO SFR Cash-Out Refinance
Owing Mills, MD


Business Term Refrigeration Co.
Fredericksburg, VA


Auto Repair Business Term
Seattle, WA


Construction Co. Business Term
Dayton, OH


Steel Manufacturer Business Term
Mooresboro, NC

Diane Parker

NOO SFR Purchase & Rehab
Cambridge, MA


Vending Co. Business Term
North Hampton, NH


NOO Condo Cash-Out Refinance
Chicago, IL


Office Condo Purchase
Margate, FL


Restaurant Business Term
Mandeville, LA


NOO Condo Cash-Out Refinance
Danbury, CT


Gymnastics Co. Business Term
Columbia, MD


NOO Duplex Cash-Out Refinance
Redmond, WA


NOO SFR Purchase
Athens, GA

Wine Pic

Wine Co. Business Term
San Rafael, CA


SBA 7(a) Medical Office Purchase
Lafayette, LA


NOO SFR Cash-Out Refinance
Tacoma, WA


NOO SFR Cash-Out Refinance
Belleair Bluffs, FL


Commercial Condo Purchase
San Francisco, CA


Warehouse Purchase
Oakland, CA


Restaurant Business Term
Agoura Hills, CA


Lumber Co. Business Term
San Francisco, CA

Photo Jul 08, 10 28 29 PM

SBA 7(a) Medical Office Purchase
Revere, MA


Marine Co. Business Express
Ontario, Canada


Landscape Co. Business Express
Lewisville, TX


SBA 7(a) Market Purchase
New Brunswick, NJ


Salon Business Express
Chicago, IL

$211750 Bowling Alley Susanville CA

Bowling Alley Purchase
Susanville, CA

1850, Front Photo

Office Building Refinance Cash-Out
Los Angeles, CA


Sanitation Co. Business Express
Covington, LA


Office Condo Purchase & Construction
Roseville, CA

$250000 IT Business Loan Weehawken NJ

IT Company Business Term
Weehawken, NJ

$175000 Hospice Business Los Angeles CA

Elder Care Business Express
Los Angeles, CA

Business Picture

Distributor Business Express
Gilbert, AZ

$107576 Private Business Trucking Loan Suwanee GA

Trucking Co. Business Term
Suwanee, GA


Tour Operator Business Express
Cape Canaveral, FL

$100000 Private Business Restaurant Loan Orlando FL

Pizzeria Private Business Term
Orlando, FL

$350000 Insurance Brokerage Business Loan Moon Township PA

Insurance Broker Business Term
Moon Township, PA

$375000 Retail Cash-Out Refi Killeen TX

Retail Cash-Out Refinance
Killeen, TX

$340000 Office Cash-Out Refi Marlton NJ

Office Cash-Out Refinance
Marlton, NJ

$50000 Private Business Loan South Venice FL

Furniture Store Business Term
South Venice, FL


SBA 7(a) Bar Cash-Out Refinance
Bowling Green, OH

$200000 Auto Service Private Business Loan WA

Auto-Service Business Term
Seattle, WA

$61000 Private Seafood Business Loan Warwick IL

Wholesaler Business Term
Warwick, RI

$100000 Private Business Loan Interior Designs Phoenix AZ

Interior Design Private Business Term
Phoenix, AZ

$125000 NOO SFR Brimfield MA

NOO SFR Cash-Out Refinance
Brimfield, MA

$20000 Private Biz Loan Auto Dealer Orlando FL

Auto Dealer Business Express
Orlando, FL

$10000 Private Business Loan Home Based IT Business Sterling VA

Home Based IT Business Express
Sterling, VA

$75000 Restaurant Express Stone Mountain GA

Restaurant Business Express
Stone Mountain, GA

$350000 NOO Condo Cash-Out Refinance Los Angeles CA

NOO Condo Cash-Out Refinance
Los Angeles, CA

$354250 NOO SFR Cash-Out Refinance Wyckoff NJ

NOO SFR Cash-Out Refinance
Wyckoff, NJ


Home Renovation Business Term
Manahawkin, NJ

$2000 Private Biz Loan Daycare Columbus OH

Daycare Business Express
Columbus, OH

$780000 Industrial Loan Massillon OH

Industrial Cash-Out Refinance
Massillon, OH

$20000 Private Biz Loan Daycare Columbus OH

Daycare Business Express
Columbus, OH


2 Family Cash-Out Refinance
Staten Island, NY

$1166000 Auto-Service Purchase Federal Way WA

SBA 7(a) Auto-Service Purchase
Federal Way, WA

$50000 Business Loan Bellerose NY

Health Club Business Express
Bellerose, NY


Auto-Service Cash-Out Refinance
University Place, WA


Restaurant Business Express
Gilbert, AZ

$102700 NOO 3 Family Cash-Out Refinance Lakewood OH

3 Family Cash-Out Refinance
Cuyahoga County, OH


3 Family Cash-Out Refinance
Newark, NJ

$435000 Bar & Restaurant Refinance Eastlake OH

Bar & Restaurant Cash-Out Refinance
Eastlake, OH

Hotel Room

Hotel Business Express
Kernersville, NC

$160000 Business Loan Acworth GA

Tech Export Co. Business Term
Acworth, GA


Contractor Business Express
Elgin, IL

$169000 Preschool Cash-Out Refinance Jonesboro GA

Preschool Cash-Out Refinance
Jonesboro, GA

$4600000 Land Refinance Dana Point CA

Land Refinance
Dana Point, CA

$30000 Church Refinance Jackson TN

Church Refinance
Jackson, TN

$2875000 Hotel Refinance Saratoga Springs NY

SBA 7(a) Un-Flagged Hotel Refinance
Saratoga Springs, NY

$1207000 Resort Refinance Sequim WA

SBA 7(a) Resort Refinance
Sequim, WA

$235000 NOO Condo Refinance Mililani HI

NOO Condo Refinance
Mililani, HI

$965812 Multifamily Purchase Apex NC

Multifamily Purchase
Apex, NC

$200000 Business Capital Punta Gorda FL

Restaurant Business Term
Punta Gorda, FL

$45000 Retail Refinance Canastota NY

Retail Refinance
Canastota, NY

$1000000 NOO SFR Purchase Chicago IL

NOO SFR Purchase
Chicago, IL

$450000 Restaurant Refinance Stockbridge GA

Restaurant Refinance
Stockbridge, GA

$115000 Business Expansion Auburn WA

Healthcare Co. Business Express
Auburn, WA

$927938 Multifamily Purchase Raleigh NC

Multifamily Purchase
Raleigh, NC

$2415000 Hotel Refinance Charlotte NC

Hotel Refinance
Charlotte, NC

$960000 Retail Refinance Daytona Beach FL

Retail Refinance
Daytona Beach, FL

$235000 NOO SFR Purchase Roselle Park NJ

NOO SFR Purchase
Roselle Park, NJ

$365000 Auto Service Refinance Boston MA

Auto-Service Refinance
Boston, MA

$81000 Mobile Home Park Refinance Newton NC

Mobile Home Park Refinance
Newton, NC

$2261000 Hotel Purchase Sheboygan WI

Hotel Purchase
Sheboygan, WI



Noah Grayson
Managing Director, Founder

Richard Sabrowske
EVP, Director of Operations

Joel Soforenko
SVP, Director of SBA Lending

Matthew Naughton
SVP, Term Business Lending

Myron Alford
VP, Residential Lending


Antoine Anderson
Sr. Account Director

David Paylor
Account Executive
Residential Lending

Michael McGee
Account Executive
Business Lending

Partner With Us

Increase Your Capital Access and Commissions!
If you’re a mortgage or finance professional interested in earning commissions up to 6%, receiving marketing support and more; then click the button below to register today!
Get Started


SECC is seeking dedicated, personable and self-starting professionals to join our growing team. If you possess the skills necessary to originate and develop a robust loan pipeline and promptly and courteously attend to clients, or are an experienced and proficient processor or underwriter, we’d love to hear from you: careers@southendcapital.com


Listed here are the most commonly asked questions about who we are and how we operate. If you have a question that is not found here, please do not hesitate to contact us and we will be happy to address it.

Is SECC a lender or a broker?

SECC is a licensed lender and broker under California Finance Lenders License # 603 L334. SECC funds non-conforming and private money commercial loans from $50,000 to $5 million in markets nationwide. SECC also functions as a correspondent and preferred origination point for a small group of banks, institutional lenders, investment funds and private finance companies. In states where SECC is not licensed as a mortgage lender or mortgage broker (and licensing is required), SECC acts strictly as a loan packager for, or a referral source to, those entities licensed to lend.

Why should I work with SECC over other lenders?

If you are a broker or borrower looking for financing in this market, you know the process can be difficult and painstaking. The loan programs SECC offers are genuine, competitive (or more than competitive), and they perform. We handle the majority of the process so that you can focus your efforts on what’s most important to you. We also offer approved partners fee incentives and provide a full suite of customizable loan documents, marketing tools and support.

Does SECC charge upfront fees?

Once SECC has analyzed a loan submission and determined its eligibility for financing, a Letter of Interest (LOI) is issued. Upon acceptance and signing of the LOI, the borrower will be required to pay a non-refundable underwriting and/or appraisal fee ranging from $0.00 to $1,995.00 depending on the loan size and complexity of the transaction. Refunds will not be issued on transactions that do not close because of borrower/broker misrepresentation, cancellation, delays, inability to meet documentation or information requests, omission or fraud, or due to adverse results of third-party reports. A previously submitted underwriting or appraisal fee will be returned only in the event that a loan does not close due to SECC error or failure to perform as outlined in the LOI.

Does SECC charge loan points and/or fees at closing?

In most situations, SECC is compensated directly by our investors or from the sale of our loans, thus we do not ordinarily charge the borrower any excessive points or fees. We will always provide a fee quote upfront upon request so there are no surprises for the broker or borrower.

How long does it take to close a loan with SECC?

Our private money business loans close in as fast as 1-5 days. It takes approximately 2-3 weeks to close a non-conforming commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 60-120 days.

Does SECC issue forward commitments?

No. A loan commitment will never be issued for your transaction unless it is presently ready for closing and funding.

Does SECC offer loan programs outside of the United States?

We offer loan programs in all 50 states, and most domestic primary, secondary and tertiary U.S. markets. We do not offer any loan programs in any other countries, other than Canada via our private business financing program.

What collateral will SECC lend against?

Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held (or to be acquired) for investment or business purposes, businesses and business assets are eligible for financing under our programs. We do not offer financing on owner occupied residential properties, securities or any other types of collateral.

How do I get approved as a partner with SECC?

Contact us or your SECC account executive to let us know that you would like to be set up as a partner, and we will forward the broker registration package necessary for your approval; there is a one time $49 background check fee.

Are mortgage brokers or third parties ever considered representatives, partners, agents or employees of SECC?

No. No entity or individual other than SECC’s sole principal, Noah Grayson, has any authority to make statements, representations, negotiate terms of a letter of interest or accept payments on behalf of SECC. SECC has no subsidiaries, partners, parent companies or agents, and only those individuals listed on the SECC website and who have a southendcapital.com email extension and SECC phone number, are authorized to transact business for SECC. Any third parties found to be making claims of affiliation with SECC, or representations on behalf of SECC, will be viewed as having committed fraud and be prosecuted to the fullest extent of the law. If you feel you have encountered individuals or entities committing such fraud or falsely identifying themselves as connected to SECC, please contact Noah Grayson immediately at noah@southendcapital.com or (888) 268-7778 x 5.


General Loan & Broker Inquiries

loans@southendcapital.com, ext. 3

SBA Lending

sba@southendcapital.com, ext. 2

Business Term Lending

bizloans@southendcapital.com, ext. 4

Residential Investment Lending

residential@southendcapital.com, ext. 14

(888) 268-7778

17412 Ventura Blvd. # 271
Encino, CA 91316