About

Bankable Terms for Un-Bankable Borrowers

Best-Hard-Money-LenderSouth End Capital Corporation “SECC”, founded in 2009, is a nationwide, non-conforming lender (CA Finance Lenders License # 603 L334) providing small balance commercial and investment residential real estate loans, bridge loans, business loans, and merchant cash advance (MCA) consolidation loans.

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

Small Balance Real Estate
Business Owners

SECC’s small balance program is ideal for non-conforming commercial and investment residential real estate owners, who are looking for competitive permanent, or bridge loan terms with a light documentation process. We require no personal income, no tax returns and no investment experience—real estate can be held as an investment or occupied by the owner’s business. Purchase, refinance and cash-out refinance programs are available nationwide and for most property types (some restrictions may apply). Apply below to receive your same day pre-approval, no upfront credit pull and no upfront fees!

  • $200,000 to $5,000,000
  • Rates Down to 6%
  • 1, 3, 5 & 7 Years Fixed
  • 30 Year Amortizations
  • Interest Only Bridge Loans
  • Stated Permanent Loans
  • Low FICO Minimum
  • To 80% LTV (loan-to-value)
  • Unrestricted Cash-Out
  • 3 to 4 Week Closings
Apply Now

SECC offers a variety of competitive financing options for the small business owner. We have a low credit score minimum, few industry restrictions and flexible underwriting. Whether you are seeking a high LTV (loan-to-value) real estate or business purchase loan, unrestricted working capital or want to consolidate expensive merchant cash advances into one 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 most business types are considered (even home based)!

  • $500,000 to $5,000,000+
  • Rates Down to 7%
  • To 150% LTV (loan-to-value)
  • Low Credit Minimum
  • Unrestricted Working Capital
  • Monthly Payments
  • Few Restricted Industries
  • MCA Consolidations
  • Business Lines of Credit
  • Nationwide Program
Apply Now

Recent Closings

Office Building 08817

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

Daycare2

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

Industrial 2

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

CA MF

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

Used Auto Dealership

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

Construction co

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

Delivery Truck2

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

6unitMF

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

moving truck

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

Retail Building

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

ALF

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

Skydive

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

Officehouse

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

TX house2

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

Wilton House

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

Office Land1

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

Inn

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

Bike Shop

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

NY House

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

Beach Restaurant

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

Carpet Store

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

Retail Restaurant

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

industrial pic

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

Chinese Restaurant

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

Liquor

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

Refrigerated Trucking

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

Printer

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

Natural Gas Tanks

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

Law firm

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

Auto Service

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

TX rehab house

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

TX house

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

NC House

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

SFR fix and flip

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

shellgs

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

duplex

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

shell-gas-station

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

warehouse

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

baymont-inn

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

construction

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

christmas-tree-delivery

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

restaurant

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

metalfabrication

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

smallofficebuilding

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

daycare

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

officecond2

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

autoservice

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

$107576 Private Business Trucking Loan Suwanee GA

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

officecondo

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

usedcars

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

isp

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

roofing-company

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

mhpmatika

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

transportation

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

wellness-co

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

dentist

$871,000
Dental Practice MCA Consolidation
Orange, TX

medical-practic

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

marketing-co

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

truck092216

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

gas-station-sunoco

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

Treeservice

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

Multifamily

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

MHP

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

Logging

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

Truck

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

Home Care

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

Motel 6

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

Logging # 3

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

Realtor Pic

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

Retail Building Pic

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

Vacation Company

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

MixedUse 071216 Levell

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

Logging # 2

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

Journeys

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

Picture2

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

Picture1

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

Picture1

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

Arc Logging Pic

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

Picture1

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

pic

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

Pic

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

img_E6804810-C213-AED0-6DD61EA118EF49C6

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

Temp

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

Picture1

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

For rent property mgmt

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

auto dealer 2

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

Auto Dealer

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

Sports Surfing

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

ALF picture

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

Truck Shop 2

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

Picture1

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

Picture1

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

Freight Pic

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

Picture2

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

Picture1

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

IS521ct07143521000000000

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

Fridge

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

Picture1

$100,000
Auto Repair Business Term
Seattle, WA

Picture1

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

Steel

$122,100
Steel Manufacturer Business Term
Mooresboro, NC

Diane Parker

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

Pic

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

pic

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

pic2

$178,750
Office Condo Purchase
Margate, FL

Picture1

$63,000
Restaurant Business Term
Mandeville, LA

Pic

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

Picture1

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

20760173_photo3

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

Photo

$101,200
NOO SFR Purchase
Athens, GA

Wine Pic

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

Picture2

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

Picture1

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

Pic

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

Picture1

$975,000
Commercial Condo Purchase
San Francisco, CA

Picture1

$357,500
Warehouse Purchase
Oakland, CA

Pic

$50,000
Restaurant Business Term
Agoura Hills, CA

Pic

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

Photo Jul 08, 10 28 29 PM

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

Marina

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

mow_truck_new_087

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

Picture4

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

Picture3

$14,700
Salon Business Express
Chicago, IL

$211750 Bowling Alley Susanville CA

$211,750
Bowling Alley Purchase
Susanville, CA

1850, Front Photo

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

Picture

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

Photo

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

$250000 IT Business Loan Weehawken NJ

$250,000
IT Company Business Term
Weehawken, NJ

$175000 Hospice Business Los Angeles CA

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

Business Picture

$30,000
Distributor Business Express
Gilbert, AZ

$107576 Private Business Trucking Loan Suwanee GA

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

Picture1

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

$100000 Private Business Restaurant Loan Orlando FL

$100,000
Pizzeria Private Business Term
Orlando, FL

$350000 Insurance Brokerage Business Loan Moon Township PA

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

$375000 Retail Cash-Out Refi Killeen TX

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

$340000 Office Cash-Out Refi Marlton NJ

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

$50000 Private Business Loan South Venice FL

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

Pic1

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

$200000 Auto Service Private Business Loan WA

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

$61000 Private Seafood Business Loan Warwick IL

$50,000
Wholesaler Business Term
Warwick, RI

$100000 Private Business Loan Interior Designs Phoenix AZ

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

$125000 NOO SFR Brimfield MA

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

$20000 Private Biz Loan Auto Dealer Orlando FL

$20,000
Auto Dealer Business Express
Orlando, FL

$10000 Private Business Loan Home Based IT Business Sterling VA

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

$75000 Restaurant Express Stone Mountain GA

$75,000
Restaurant Business Express
Stone Mountain, GA

$350000 NOO Condo Cash-Out Refinance Los Angeles CA

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

$354250 NOO SFR Cash-Out Refinance Wyckoff NJ

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

Construction

$100,000
Home Renovation Business Term
Manahawkin, NJ

$2000 Private Biz Loan Daycare Columbus OH

$2,000
Daycare Business Express
Columbus, OH

$780000 Industrial Loan Massillon OH

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

$20000 Private Biz Loan Daycare Columbus OH

$20,000
Daycare Business Express
Columbus, OH

IMG_0583

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

$1166000 Auto-Service Purchase Federal Way WA

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

$50000 Business Loan Bellerose NY

$50,000
Health Club Business Express
Bellerose, NY

Picture1

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

Picture1

$4,769
Restaurant Business Express
Gilbert, AZ

$102700 NOO 3 Family Cash-Out Refinance Lakewood OH

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

Picture1

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

$435000 Bar & Restaurant Refinance Eastlake OH

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

Hotel Room

$25,000
Hotel Business Express
Kernersville, NC

$160000 Business Loan Acworth GA

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

Construction

$3,000
Contractor Business Express
Elgin, IL

$169000 Preschool Cash-Out Refinance Jonesboro GA

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

$4600000 Land Refinance Dana Point CA

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

$30000 Church Refinance Jackson TN

$30,000
Church Refinance
Jackson, TN

$2875000 Hotel Refinance Saratoga Springs NY

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

$1207000 Resort Refinance Sequim WA

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

$235000 NOO Condo Refinance Mililani HI

$235,000
NOO Condo Refinance
Mililani, HI

$965812 Multifamily Purchase Apex NC

$965,812
Multifamily Purchase
Apex, NC

$200000 Business Capital Punta Gorda FL

$200,000
Restaurant Business Term
Punta Gorda, FL

$45000 Retail Refinance Canastota NY

$45,000
Retail Refinance
Canastota, NY

$1000000 NOO SFR Purchase Chicago IL

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

$450000 Restaurant Refinance Stockbridge GA

$450,000
Restaurant Refinance
Stockbridge, GA

$115000 Business Expansion Auburn WA

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

$927938 Multifamily Purchase Raleigh NC

$927,938
Multifamily Purchase
Raleigh, NC

$2415000 Hotel Refinance Charlotte NC

$2,415,000
Hotel Refinance
Charlotte, NC

$960000 Retail Refinance Daytona Beach FL

$960,000
Retail Refinance
Daytona Beach, FL

$235000 NOO SFR Purchase Roselle Park NJ

$235,000
NOO SFR Purchase
Roselle Park, NJ

$365000 Auto Service Refinance Boston MA

$365,000
Auto-Service Refinance
Boston, MA

$81000 Mobile Home Park Refinance Newton NC

$81,000
Mobile Home Park Refinance
Newton, NC

$2261000 Hotel Purchase Sheboygan WI

$2,261,000
Hotel Purchase
Sheboygan, WI

Team

Management

Noah Grayson
Managing Director, Founder
noah[at]southendcapital.com

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

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

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

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

Originations

Antoine Anderson
SVP, Account Director
(888) 268 – 7778 x 3
antoine[at]southendcapital.com

CA CT IA ID IL IN MA ME MI MN MT ND NH NJ NV NY OH OR PA RI SD VT WA WI WY

David Paylor
Account Executive
(888) 268 – 7778 x 14
david[at]southendcapital.com

AL AK AR AZ CO DC DE FL GA HI KS KY LA MD MO MS NC NE NM OK SC TN TX UT VA WV

Partner With Us

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

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 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 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 a variety of 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 $2,750.00 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 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?

It takes approximately 3-5 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 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?

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 no cost to register but you must pass a background check screening.

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.