About

Bankable Terms for Un-Bankable Borrowers

South End Capital Corporation℠ “SECC”, founded in 2009, is a nationwide, non-conforming lender providing stated income commercial real estate loans, subprime SBA loans, “no minimum credit score” business lines of credit, and merchant cash advance consolidation loans. SECC offers excellent service, prompt responses and custom tailored financing.

SECC has been recognized by Fit Small Business, TopTenReviews and Business.com as one of the premier non-conforming business and real estate lenders in the country.

Loan Programs Partners

Loan Programs

Small Balance Commercial Real Estate
Subprime SBA
Credit Line / Invoice Financing

SECC’s commercial real estate program offers fast, permanent mortgage and bridge financing with a low documentation process. We offer stated income and full documentation loans and real estate can be held as an investment or occupied by the owner’s business (no personal residences). Purchase, refinance, fix and flip and unrestricted cash-out refinance programs are available nationwide except in AZ, ND, NV, OR, SD and VT. We lend on 1 to 4 unit residential, 5+ unit multifamily, mixed-use, office, retail, warehouse, industrial, mobile home parks, self-storage, auto-service, auto-dealers, daycare, restaurants, nightclubs, bars and more. Apply below to receive your same day pre-approval, there is no upfront credit pull and no upfront fees!

  • We are a Direct Lender
  • $250,000 to $5,000,000
  • Rates Start at 6.875%
  • 1, 3, 5, 7 & 10 Years Fixed
  • I/O to 30 Year Amortizations
  • 600 Credit Minimum
  • To 80% LTV (commercial)
  • To 100% LTC (residential)
  • Flexible Prepay Penalties
  • No Personal DTI Ratio
  • Close in 2 to 4 Weeks
  • No Balloon Payments
Apply Now

SECC offers streamlined Small Business Administration (SBA) loans for the non-conforming business owner. We have no collateral requirement for loans </= $500,000 and for loans > $500,000 we can provide up to 150% LTV (loan-to-value) in 1st, 2nd or 3rd position on real estate and/or equipment. Whether you are seeking working capital, funds to purchase real estate, equipment or a business; or want to refinance debt or consolidate merchant cash advances into one affordable monthly payment—we have the right loan for you. Apply below to receive your same day pre-approval, there is no upfront credit pull, no application fee and most business types are considered (sorry, no startups).

  • $30,000 to $23,000,000
  • Rates from 6.75%
  • Monthly Payments
  • No Prepay Penalty Options
  • 10 to 25 Years Amortized
  • 550 Credit Minimum
  • 1 Year Min. Time in Business
  • Few Restricted Industries
  • Debt/MCA Consolidation
  • Unrestricted Working Capital
  • Nationwide Program
  • Over $100 Million Funded!
Apply Now

SECC’s revolutionary credit line and invoice financing requires no credit score minimum, paperwork or liens–only an active business bank account or accounting software. Fees start at 0.4% (that’s only $4 on a $1,000 financed!), there are no out-of-pocket fees, junk fees or prepay penalty. Apply below (no hard credit pull at application), get approved in minutes and draw funds the next day–or, request your own uniquely code application link to market to your network and earn a 1% referral on each funding! Businesses located in the 50 U.S. states, Washington D.C., Puerto Rico, U.S. Virgin Islands, Guam, American Samoa and North Mariana Islands operating > 3 months, with > $25,000 in revenue are considered.

  • $1,000 to $100,000
  • No FICO Minimum
  • Rates From 0.4%
  • No Prepay Penalty
  • 12 to 24 Week Terms
  • Next Day Funding
  • No Upfront or Junk Fees
  • No UCC or Lien Filings
  • No Collateral Required
  • Invoices Financed at 100%
  • No Lockbox, You Pay Back
  • Few Restricted Industries
Apply Now

Recent Closings

$325,000
Mixed-Use Refi. Cash-Out
Stated Income Commercial
Chicago, IL

$500,000
Auntie Anne’s Franchise
SBA 7(a) Debt Consolidation
North Chesterfield, VA

$1,375,000
Used Auto-Sales
SBA 7(a) Cash-Out Refinance
Reynoldsburg, OH

$782,000
Sports Bar & Grill
SBA 7(a) Business Purchase
Spring, TX

$2,000,000
Golf Course
SBA 7(a) Rate and Term Refinance
Woodland, WA

$395,000
Production Company
SBA 7(a) Warehouse/Land Refinance
Fultondale, AL

$500,000
IT Services
SBA 7(a) MCA Consolidation
Farmington Hills, MI

$500,000
Engineering Co.
SBA 7(a) MCA Consolidation
Troy, MI

$1,685,000
Assisted Living Center
SBA 7(a) Purchase Loan
Katy, TX

$170,000
Dental Practice
SBA 7(a) Debt Consolidation
Marietta, GA

$984,000
Software Supplier
SBA 7(a) 2nd Mtg. Debt Consolidation
Omaha, NE

$125,000
Sports Apparel Co.
SBA 7(a) Business Purchase
Leominster, MA

$320,000
FedEx Ground Route
SBA 7(a) Business Purchase
Lake Mary, FL

$460,000
Nightclub/Bar Refi. Cash-Out
Stated Income Commercial
Charlotte, NC

$235,000
Electrical Contractor
SBA 7(a) Debt Consolidation
Bethel, CT

$1,418,000
Storefront Bakery
SBA 7(a) Building Purchase
Brooklyn, NY

$275,000
Air Conditioning Repair Co.
SBA 7(a) Debt/MCA Consolidation
Madera, CA

$150,000
Garden Supplier
SBA 7(a) Working Capital Loan
Scottsdale, AZ

$500,000
Cell Phone Store
SBA 7(a) Working Capital Loan
Albany, NY

$150,000
Construction Co.
SBA 7(a) Working Capital Loan
Houston, TX

$200,000
Early Education
SBA 7(a) Building Purchase
New Windsor, NY

$390,000
Real Estate Brokerage
SBA 7(a) Building Purchase
Pensacola, FL

$525,000
Boutique Hotel
SBA 7(a) Renovation Loan
Longbeach, CA

$315,000
Assisted Living Center
SBA 7(a) Building Purchase
Mesa, AZ

$100,000
Accounting Firm
SBA 7(a) Working Capital Loan
Shreveport, IL

$559,000
Beauty Supply Co.
SBA 7(a) Building Purchase
Bolingbrook, IL

$1,150,000
Trucking Co.
SBA 7(a) Equipment Loan
Blanchard, MI

$3,250,000
Bed & Breakfast Refi. Cash-Out
Stated Income Commercial
Savannah, GA

$350,000
Amusement Park
SBA 7(a) Working Capital Loan
Myrtle Beach, SC

$250,000
Dental Practice
SBA 7(a) Working Capital Loan
Phoenix, AZ

$420,000
Warehouse Purchase
Stated Income Commercial
Baltimore, MD

$700,000
Retail Strip Mall Cash-Out Refi.
Stated Income Commercial
Warren, OH

$200,000
International Shipping Co.
SBA 7(a) Working Capital Loan
Palm Coast, FL

$1,245,000
Bar & Grill Cash-Out Refi.
Stated Income Commercial
Blue Island, IL

$1,464,000
Athletic Club
SBA 7(a) Consolidation/Expansion
Baton Rouge, LA

$600,000
Office Building Cash-Out Refi.
Stated Income Commercial
San Jose, CA

$280,000
Vacuum Repair Service
SBA 7(a) Working Capital
San Antonio, TX

$264,000
Group Home Services
SBA 7(a) Business Purchase
Hertford, NC

$412,000
Mixed-Use Purchase & Rehab
Fix and Flip Program
Haines City, FL

$3,445,000
Online Reseller
SBA 7(a) Warehouse Purchase
Grover Beach, CA

$1,124,800
Bowling Alley
SBA 7(a) Debt & MCA Consolidation
Farmington Hills, MI

$174,000
Office Building Purchase
Small Balance Commercial
Valparaiso, IN

$350,000
Mobile Medical Services Co.
SBA 7(a) Working Capital
Rosharon, TX

$200,000
Floral Design Co.
SBA 7(a) Working Capital
Stone Mountain, GA

$23,850
Consulting Firm
Small Business Term Loan
Greensboro, NC

$100,000
Pizza Restaurant
Small Business Term Loan
Barnegat, NJ

$49,708
Home Health Care. Co.
Small Business Term Loan
Coral Gables, FL

$755,000
Seasonal Resort & Motel
SBA 7(a) Debt Refi. & Working Capital
Lake George, NY

$351,000
Full-Service Truck Stop
SBA 7(a) Working Capital
New Lisbon, WI

$500,000
Dental & Oral Surgery Practice
SBA 7(a) Working Capital Loan
Charlotte, NC

$15,000
Accounting Firm Working Capital
Small Business Term Loan
Milford, CT

$521,250
Retail Strip Center Purchase
Small Balance Commercial
Florissant, MO

$567,000
Refrigeration Company
SBA 7(a) Retail Condo Blanket
Key West, FL

$3,750,000
Trucking Company
SBA 7(a) Trailer Lease Buyout
Blanchard, MI

$1,680,000
Full-Service Truck Stop
SBA 7(a) Purchase & Working Capital
New Lisbon, WI

$650,000
Office Building Cash-Out Refinance
Small Balance Commercial
North Hollywood, CA

$3,500,000
Dental & Oral Surgery Practice
SBA 7(a) Purchase/MCA Consolidation
Cornelius, NC

$2,016,000
Indoor Trampoline Park
Bridge Loan Program
Champaign, IL

$245,000
Contract Labor Company
SBA 7(a) MCA Consolidation
Cynthiana, KY

$550,000
Threads of Time
SBA 7(a) Business Purchase
Danville, IL

$1,365,000
Construction Company
SBA 7(a) Debt Consolidation
Milford, UT

$2,500,000
Industrial Property
SBA 7(a) Debt & MCA Consolidation
Akron, OH

$167,000
Advertising & Marketing Firm
Private Term Working Capital Loan
Boca Raton, FL

$136,000
Chiropractic & Sports Rehab Co.
SBA 7(a) MCA Consolidation
St. Louis, MO

$400,000
Landscape & Nursery Business
SBA 7(a) Refinance Cash-Out
College Park, GA

$1,471,000
Child Learning Center
SBA 7(a) Real Estate Purchase
Kissimmee, FL

$400,000
Trucking Company
SBA 7(a) MCA Consolidation
Burton, MI

$825,000
Brazilian Restaurant
SBA 7(a) Working Capital Loan
Newark, NJ

$2,475,000
Office Refi. Cash-Out / Renovations
Bridge Loan Program
Tallahassee, FL

$190,000
Daycare Property
SBA 7(a) Purchase Loan
Tampa, FL

$925,000
Industrial Cash-Out Refinance
Small Balance Commercial
Perrysburg, OH

$470,000
Multifamily Cash-Out Refinance
Small Balance Commercial
Richmond, CA

$490,000
Used Automotive Dealership
SBA 7(a) Expansion Loan
Lowell, MA

$400,000
Construction Company
SBA 7(a) MCA Consolidation
Decatur, TX

$300,000
Delivery Company
Private Business Line of Credit
Sparks, NV

$176,000
Multifamily Cash-Out Refinance
Small Balance Commercial
Norwich, CT

$496,000
Moving Company
SBA 7(a) MCA Consolidation
Miami, FL

$730,000
Retail Property Purchase
Small Balance Commercial
Sparks, NV

$900,000
Assisted Living Facility Refinance
Small Balance Commercial
Emerald Hills, CA

$220,000
Skydiving Company
SBA 7(a) MCA Consolidation
Tracy, CA

$423,750
Office Building Purchase
Small Balance Commercial
Worcester, MA

$301,000
Investment SFR Refi. Cash-Out
Small Balance Commercial
Spring, TX

$535,000
Investment SFR Refi. Cash-Out
Wilton, CT

$317,500
SBA 7(a) Office & Land Refi. Cash-Out
Hudson, OH

$464,000
SBA 7(a) Hotel Renovation Loan
Olympia, WA

$587,000
SBA 7(a) Bike Shop Debt Consolidation
Yuma, AZ

$645,000
Investment 3-Family Purchase
Jamaica, NY

$250,000
SBA 7(a) Restaurant Expansion Loan
San Diego, CA

$531,200
SBA 7(a) MCA Consolidation Loan
San Diego, CA

$750,000
Retail Strip Mall Cash-Out Refinance
Orlovista, FL

$822,000
SBA 7(a) Industrial Property Refinance
Bloomer, WI

$259,000
SBA 7(a) Restaurant Working Capital
Philadelphia, PA

$460,000
SBA 7(a) Liquor Store Purchase
Detroit, MI

$942,000
SBA 7(a) Trucking Co. MCA Consol.
Colton, CA

$1,250,000
SBA 7(a) Tech. Distributor Debt Consol.
Fayetteville, AR

$5,000,000
SBA 7(a) Petroleum Co. MCA Consol.
Randolph County, IL

$500,000
Bus. Term Law Firm Working Cap.
Pasadena, CA

$1,310,000
SBA 7(a) Auto-Service Purchase
Springfield, NJ

$307,500
NOO SFR Purchase & Rehab
Cedar Hill, TX

$119,300
NOO SFR Refinance Cash-Out
Coldspring, TX

$211,250
NOO SFR Refinance Cash-Out
Charlotte, NC

$133,600
NOO SFR Purchase & Rehab
Upper Marlboro, MD

$2,900,000
Gas Station Refinance Cash-Out
Northridge, CA

$1,950,000
Investment Resi. Blanket Refi.
Altadena & Mammoth Lakes, CA

$850,000
SBA 7(a) Gas Station Refi. Cash-Out
Killeen, TX

$1,630,000
SBA 7(a) Warehouse Purchase
Federal Way, WA

$1,410,000
SBA 7(a) Flagged Hotel Purchase
Dowagiac, MI

$12,150
Business Term Construction Co.
Ralph, AL

$67,500
Bus. Term Christmas Tree Delivery Co.
Salt Lake City, UT

$500,000
SBA 7(a) Restaurant Cash-Out Refinance
Covington, KY

$605,000
SBA 7(a) Metal Fabricator Expansion
Mooresboro, NC

$157,500
Office Building Cash-Out Refinance
Greensboro, NC

$25,000
Business Term Daycare Working Capital
Mableton, GA

$119,000
Retail Condo Cash-Out Refinance
Greensboro, NC

$35,300
Bus. Term Auto-Service Working Cap.
Hurst, TX

$67,500
Bus. Term Trucking Co. Working Cap.
Colton, CA

$336,000
Office Condo Cash-Out Refinance
Greensboro, NC

$500,000
SBA 7(a) Used Auto Sales Construction
Lowell, MA

$430,000
SBA 7(a) ISP Co. Working Capital
Carbondale, AZ

$100,000
Bus. Term Roofing Co. Working Cap.
Kailua, HI

$1,170,000
Mobile Home Park Bridge Loan
Salisbury, NC

$210,000
SBA 7(a) Transportation Co. Debt Refi.
Glen Mills, PA

$6,500
Bus. Term Wellness Co. Working Cap.
Los Angeles, CA

$871,000
Dental Practice MCA Consolidation
Orange, TX

$1,169,600
SBA 7(a) Medical Practice Expansion
Hawthorne, CA

$150,000
Bus. Term Marketing Co. Working Cap.
Boca Raton, FL

$6,500
Bus. Term Trucking Co. Working Cap.
Harrisburg, OR

$416,000
Bus. Term Gas Co. Start-up Capital
Voorhees, NJ

$40,000
Bus. Term Tree Service Working Cap.
Lancaster, CA

$1,046,500
Multifamily Cash-Out Refinance
Shelby, NC

$10,000
Due Diligence Cost Bridge Financing
Charlotte, NC

$43,200
Bus. Term Logging Co. Working Cap.
Lawrenceville, VA

$140,000
Bus. Term Trucking Co. Working Cap.
Suwanee, GA

$200,000
Bus. Term Home Care Working Cap.
Coral Gables, FL

$1,221,600
SBA 7(a) Motel Cash-Out Refinance
Waco, TX

$9,900
Bus. Term Logging Co. Working Cap.
Brodnax, VA

$67,500
Bus. Term Real Estate Co. Working Cap.
Herrin, IL

$1,000,000
Retail Store Cash-Out Refinance
Los Angeles, CA

$12,000
Bus. Term Vacation Co. Working Cap.
Bakersfield, FL

$200,000
Mixed-Use Cash-Out Refinance
Brookdale, CA

$67,500
Bus. Term Logging Co. Equipment.
Bolton, NC

$100,000
Bus. Term Social Services Working Cap.
Las Vegas, NV

$405,000
SBA 7(a) Inn Cash-Out Refinance
Olympia, WA

$365,000
SBA 7(a) Warehouse Purchase
Perrysburg, OH

$136,300
NOO SFR Purchase & Rehab
Beaufort, SC

$27,000
Bus. Term Logging Co. Working Cap.
Appomattox, VA

$42,500
Business Term Attorney Working Cap.
Nyack, NY

$215,000
NOO SFR Refinance & Rehab
Norwich, CT

$135,000
NOO SFR Purchase & Rehab
Gastonia, NC

$165,900
NOO SFR Purchase & Rehab
Westmont, IL

$30,150
Bus. Term Temp Agency Working Cap.
Twin Falls, ID

$7,000
Bus. Term Trailer Park Working Cap.
Salisbury, NC

$67,500
Bus. Term RE Mgmt. Working Cap.
Gresham, OR

$67,500
Bus. Term Auto-Dealer Working Cap.
Boise, ID

$6,750
Bus. Term Auto-Dealer Working Cap.
Tuskegee, AL

$5,125
Bus. Term Sports Agency Working Cap.
Carlsbad, CA

$200,000
Business Term Adult Care Expansion
Niles, OH

$703,000
SBA 7(a) Trucking Co. Expansion
Brookings, OR

$2,700,000
SBA 7(a) Assisted Living Refinance
Santa Barbara, CA

$7,000
Business Term Retail Working Cap.
Jamaica, NY

$8,000
Business Term Freight Co. Working Cap.
Frisco, TX

$200,000
NOO 3 Family Cash-Out Refinance
Philadelphia, PA

$2,100,000
SBA 7(a) Retail Cash-Out Refinance
Daytona Beach, FL

$198,700
NOO SFR Cash-Out Refinance
Owing Mills, MD

$12,150
Business Term Refrigeration Co.
Fredericksburg, VA

$100,000
Auto Repair Business Term
Seattle, WA

$60,800
Construction Co. Business Term
Dayton, OH

$122,100
Steel Manufacturer Business Term
Mooresboro, NC

$1,600,000
NOO SFR Purchase & Rehab
Cambridge, MA

$26,100
Vending Co. Business Term
North Hampton, NH

$133,200
NOO Condo Cash-Out Refinance
Chicago, IL

$178,750
Office Condo Purchase
Margate, FL

$63,000
Restaurant Business Term
Mandeville, LA

$132,000
NOO Condo Cash-Out Refinance
Danbury, CT

$75,000
Gymnastics Co. Business Term
Columbia, MD

$413,000
NOO Duplex Cash-Out Refinance
Redmond, WA

$101,200
NOO SFR Purchase
Athens, GA

$17,100
Wine Co. Business Term
San Rafael, CA

$356,000
SBA 7(a) Medical Office Purchase
Lafayette, LA

$109,200
NOO SFR Cash-Out Refinance
Tacoma, WA

$330,000
NOO SFR Cash-Out Refinance
Belleair Bluffs, FL

$975,000
Commercial Condo Purchase
San Francisco, CA

$357,500
Warehouse Purchase
Oakland, CA

$50,000
Restaurant Business Term
Agoura Hills, CA

$150,000
Lumber Co. Business Term
San Francisco, CA

$620,000
SBA 7(a) Medical Office Purchase
Revere, MA

$21,000
Marine Co. Business Express
Ontario, Canada

$150,000
Landscape Co. Business Express
Lewisville, TX

$365,000
SBA 7(a) Market Purchase
New Brunswick, NJ

$14,700
Salon Business Express
Chicago, IL

$211,750
Bowling Alley Purchase
Susanville, CA

$8,300,000
Office Building Refinance Cash-Out
Los Angeles, CA

$200,000
Sanitation Co. Business Express
Covington, LA

$1,435,000
Office Condo Purchase & Construction
Roseville, CA

$250,000
IT Company Business Term
Weehawken, NJ

$175,000
Elder Care Business Express
Los Angeles, CA

$30,000
Distributor Business Express
Gilbert, AZ

$107,576
Trucking Co. Business Term
Suwanee, GA

$12,000
Tour Operator Business Express
Cape Canaveral, FL

$100,000
Pizzeria Private Business Term
Orlando, FL

$350,000
Insurance Broker Business Term
Moon Township, PA

$375,000
Retail Cash-Out Refinance
Killeen, TX

$340,000
Office Cash-Out Refinance
Marlton, NJ

$50,000
Furniture Store Business Term
South Venice, FL

$372,000
SBA 7(a) Bar Cash-Out Refinance
Bowling Green, OH

$200,000
Auto-Service Business Term
Seattle, WA

$50,000
Wholesaler Business Term
Warwick, RI

$100,000
Interior Design Private Business Term
Phoenix, AZ

$125,000
NOO SFR Cash-Out Refinance
Brimfield, MA

$20,000
Auto Dealer Business Express
Orlando, FL

$10,000
Home Based IT Business Express
Sterling, VA

$75,000
Restaurant Business Express
Stone Mountain, GA

$350,000
NOO Condo Cash-Out Refinance
Los Angeles, CA

$354,250
NOO SFR Cash-Out Refinance
Wyckoff, NJ

$100,000
Home Renovation Business Term
Manahawkin, NJ

$2,000
Daycare Business Express
Columbus, OH

$780,000
Industrial Cash-Out Refinance
Massillon, OH

$20,000
Daycare Business Express
Columbus, OH

$115,000
2 Family Cash-Out Refinance
Staten Island, NY

$1,166,000
SBA 7(a) Auto-Service Purchase
Federal Way, WA

$50,000
Health Club Business Express
Bellerose, NY

$450,000
Auto-Service Cash-Out Refinance
University Place, WA

$4,769
Restaurant Business Express
Gilbert, AZ

$102,700
3 Family Cash-Out Refinance
Cuyahoga County, OH

$80,500
3 Family Cash-Out Refinance
Newark, NJ

$435,000
Bar & Restaurant Cash-Out Refinance
Eastlake, OH

$25,000
Hotel Business Express
Kernersville, NC

$160,000
Tech Export Co. Business Term
Acworth, GA

$3,000
Contractor Business Express
Elgin, IL

$169,000
Preschool Cash-Out Refinance
Jonesboro, GA

$4,600,000
Land Refinance
Dana Point, CA

$30,000
Church Refinance
Jackson, TN

$2,875,000
SBA 7(a) Un-Flagged Hotel Refinance
Saratoga Springs, NY

$1,207,000
SBA 7(a) Resort Refinance
Sequim, WA

$235,000
NOO Condo Refinance
Mililani, HI

$965,812
Multifamily Purchase
Apex, NC

$200,000
Restaurant Business Term
Punta Gorda, FL

$45,000
Retail Refinance
Canastota, NY

$1,000,000
NOO SFR Purchase
Chicago, IL

$450,000
Restaurant Refinance
Stockbridge, GA

$115,000
Healthcare Co. Business Express
Auburn, WA

$927,938
Multifamily Purchase
Raleigh, NC

$2,415,000
Hotel Refinance
Charlotte, NC

$960,000
Retail Refinance
Daytona Beach, FL

$235,000
NOO SFR Purchase
Roselle Park, NJ

$365,000
Auto-Service Refinance
Boston, MA

$81,000
Mobile Home Park Refinance
Newton, NC

$2,261,000
Hotel Purchase
Sheboygan, WI

Team

Operations

Noah Grayson
President, Founder
noah[at]southendcapital.com

Richard Sabrowske
EVP, Director of Operations
rich[at]southendcapital.com

Myron Alford
VP, Real Estate Lending
myron[at]southendcapital.com

Michael McGee
AVP, Closing Division
mike[at]southendcapital.com

Originations

Matthew Naughton
SVP, SBA/Business Lending
matt[at]southendcapital.com

Antoine Anderson
Account Director
antoine[at]southendcapital.com

David Paylor
Account Executive
david[at]southendcapital.com

Partners

Increase Your Capital Access and Income!
If you’re a lender, broker or entrepreneur interested in monetizing your real estate and business loan leads or fallout by earning generous referral fees–then click the button below!
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Careers

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[at]southendcapital.com

FAQs

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 commercial, residential investment and business loans in markets nationwide. SECC also functions as a correspondent or preferred origination source 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 heavy lifting so that you can focus your efforts on what’s most important to you. We also offer approved partners fee incentives and provide marketing tools, support and excellent service.

Does SECC charge upfront fees?

Once SECC has analyzed a loan submission and determined its eligibility for financing, a Conditional Financing Approval (CPL) and/or a Letter of Interest (LOI) is issued. Upon acceptance and signing of the CPL, no upfront fees are required. Upon acceptance and signing of an LOI, the borrower will be required to pay a non-refundable underwriting or appraisal fee ranging from $0 to $2,500 depending on loan program applied for. 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 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?

For our permanent loan programs, 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. For our short-term, SBA or third-party loan programs, SECC charges market 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?

It takes approximately 1-4 weeks to close a non-conforming commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 30-90 days.

Does SECC issue forward commitments?

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

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.

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 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?

If you are a lender, mortgage/loan broker, ISO, finance professional or entrepreneur looking to leverage our non-conforming real estate and business loan programs to increase your revenue, then click here to register and be reviewed for approval as a partner (there is no cost to register). Once approved you will be eligible to receive competitive referral fees from successful loan closings you brokered and/or referred to us.

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[at]southendcapital.com.

Contact

SBA/Business Financing: bizloans[at]southendcapital.com

Real Estate Financing: creloans[at]southendcapital.com

General Inquiries: info[at]southendcapital.com

(888) 268-7778

 

Locations in CA, CT, OH, RI & SC

Corporate Mailing Address:

5 River Rd., Suite # 154

Wilton, CT 06897