Bankable Terms for Un-Bankable Borrowers

IMPORTANT: If your business has been affected by the coronavirus please don’t hesitate to reach out. We are providing CARES Act SBA 7(a) relief funding, and you can learn more about the program and apply on this site. 

Founded in 2009, South End Capital is a nationwide, non-conforming lender providing commercial real estate mortgages, subprime SBA and conventional loans, and business financing. We are committed to providing excellent service and innovative financing that is affordable for all borrowers.

LendVer.com, US Business News, Fit Small Business, Top Ten Reviews, and Business.com have each recognized us as one of the premier lenders in the country.

Loan ProgramsReferral PartnersRecent Closings

Loan Programs

CARES Act SBA 7(a) Relief Program
Subprime SBA / Conventional

The Coronavirus Aid, Relief, and Economic Security Act in the Senate (the “CARES Act”) increases the maximum SBA’s 7(a) loan amount to $10 million and expands allowable uses of 7(a) loans to include payroll support (including paid sick or medical leave), employee salaries, mortgage payments, insurance premiums and any other debt obligations.

Please note that the CARES Act is not the same as the SBA economic injury disaster loan (EIDL) program that is already available on the SBA website, nor may it be used for the same purpose (compare programs here). Borrowers should evaluate both programs and choose accordingly.

  • Loans up to $10,000,000
  • 1 to 500 Employees
  • No Collateral Required
  • No Personal Guarantee
  • 100% SBA Guarantee
  • Most Businesses Eligible 
  • 4% Maximum Rate
  • No Prepay Penalty
  • For-Profits & Non-Profits
  • Guarantee Fees Waived
  • Available to 12/31/20
  • Businesses Must be Open as of 2/15/20
Apply Now

If you want to take advantage of low rate SBA or conventional financing, but have been turned down by other conforming lenders—you’ve come to the right place! We’ve closed almost $200 million of loans for business owners with poor credit, limited collateral, low cash-flow, a past bankruptcy or foreclosure, a unique business, special-purpose property, or other issues.

Funds can be used for any business purpose such as to purchase, or construct real estate, buy equipment or a business, for working capital, to refinance debt, or consolidate merchant cash advances. Apply below, you pay $0 until loan commitment and your credit won’t be affected. 

  • $30,000 to $20,000,000+
  • Rates Start at 6%
  • Monthly Payments
  • No Prepay Penalty Options
  • 10 to 25 Years Amortized
  • 550 Credit Minimum
  • Most Businesses Eligible 
  • Unrestricted Working Capital
  • 1 Year Min. Time in Business
  • Nationwide Program
  • No or Low Collateral
  • Up to 200% LTV (only 5% to 10% down on a purchase)
Apply Now

Recent Closings

Restaurant, Bar & Grill
SBA 7(a) Refinance/Debt Consolidation
Lexington, OH

Restaurant, Motel, SFR
SBA 7(a) Purchase/Refinance
Stone Park, IL

Strip Mall Refinance
Small Balance Commercial
Anchorage, AK

Gas Station
SBA 7(a) Working Capital
Wilmington, NC

Equestrian Facility
SBA 7(a) Land Purchase/Construction
Magnolia, TX

Crane Company
SBA 7(a) Debt Refinance/Equipment
La Mirada, CA

Driving School / Raw Land
SBA 7(a) Debt Consolidation
Sacramento, CA

Funeral Home
SBA 7(a) Debt Consolidation
Riverdale, MD

Technology Co.
SBA 7(a) Debt Refinance/Equipment
Ammon, ID

Auto Body Shop Refinance
Small Balance Commercial
Chicago, IL

Multifamily Cash-Out Refinance
Small Balance Commercial
Marietta, GA

Single Family Cash-Out Refinance
Small Balance Investment Residential
Bonita Springs, FL

Light Industrial Purchase
Small Balance Commercial
South Gate, CA

Lil Black Bear Inn
SBA 7(a) Purchase
Nashville, IN

Cookies by Design, Inc.
SBA 7(a) Business Purchase
East Northport, NY

Oral & Facial Surgery Clinic
SBA 7(a) Cash-Out Refinance
Mooresville, NC

Veterinarian Clinic Purchase
Small Balance Commercial
Houston, TX

Single Family Cash-Out Refinance
Small Balance Investment Residential
Melrose Park, IL

Daycare Refinance
Small Balance Commercial
Hampton, GA

Industrial Warehouse Purchase
Small Balance Commercial
Hemet, CA

Technology Co.
Unsecured Business Credit Line
Princeton, NJ

Engineering Training Co.
SBA 7(a) Debt / MCA Consolidation
Huntsville, TX

Plumbing Contractor
SBA 7(a) Land / CRE Purchase
Priest Lake, ID

Unbranded Gas Station / C-Store
SBA 7(a) Purchase / Debt Refi.
New Castle, DE

Golf Cart Sales Co.
SBA 7(a) MCA/Debt Consolidation
Ponder, TX

Oil Field Machine Co.
SBA 7(a) Business Purchase
Arimo, ID

Dickey’s BBQ Franchise
SBA 7(a) Debt Consolidation
Mesa, AZ

Office Refinance
Small Balance Commercial
Tuscaloosa, AL

Dog Kennel
SBA 7(a) Debt Refi. & Working Cap.
Santa Clarita, CA

Welding Co.
SBA 7(a) Land Purchase
Rifle, CO



Noah Grayson
President, Founder
Forbes | LinkedIn

Richard Sabrowske
EVP, Director of Operations

Michael McGee
AVP, Closing Division


Matthew Naughton
Senior Vice President
Business Lending
SBA Lending

Myron Alford
Senior Vice President
Commercial Real Estate

Referral 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 register below.
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[at]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 direct lender and broker under California Financing Law 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.

How do I signup as a Referral 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 Referral Partner (there is no cost to register and it only takes a few minutes). Once approved you will be eligible to receive competitive referral fees for loan closings you referred to us.

I’m a borrower, broker or lender—why should I work with SECC?

If you are a borrower looking for financing in this market, you know the process can be difficult and confusing. SECC is an experienced lender, founded in 2009, with a focus on customer service, transparency and ethical practices. We have always concentrated on providing non-conforming borrowers the most competitive and affordable loan options, and we have built a reputation as a market leader doing just that (Google us!).

If you are a broker or lender, then you know loan fallout is a costly issue that can be resolved and monetized by the right strategic partner. The loan programs SECC offers are genuine and they perform. We utilize the latest technology to offer our partners the opportunity to convert their leads and fallout into significant revenue. We operate as your back-office so that you can focus your effort on what’s most important to you. We also offer approved partners fee incentives, and additional benefits such as increased compensation and co-branded applications and landing pages.

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 the 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 2 to 4 weeks to close a non-conforming commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 30 to 90+ days. Business loans and credit lines can fund in as little as 1 to 7 days.

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 hard business assets (i.e.; equipment, machinery, etc.) are eligible for financing under our programs. We do not offer financing on owner occupied residential properties, securities or any other types of collateral. SECC does offer business invoice financing and uncollateralized business term loans and credit lines as well.

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

SECC has no subsidiaries, 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-party found to be making a claim of affiliation with SECC, or representation 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 an individual or entity committing such fraud, falsely issuing documentation on behalf of SECC, or attempting to collect funds on behalf of SECC, please contact us immediately at info[at]southendcapital.com.


SBA | Business Financing

Small Balance Real Estate 

Referral Partners


**Because of the extremely high volume we are receiving due to the crisis, we are not taking calls at this time. Please email us your questions, borrowers are encouraged to apply if interested in financing (it won’t affect your credit), and Referral Partners should access the partner portal to submit loans and view guidelines (if you are not an approved Referral Partner yet you can learn more and register here)**

101 Merritt 7 Corporate Park, Suite 300
Norwalk, CT 06851