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South End Capital Named the LendVer 2022 Best Commercial Real Estate & Business Lender

May 13, 2022

LendVer, the reputable database of vetted business and investment property lenders and service providers has finalized its review process for the 2022 Best Commercial Real Estate & Business Lender, and has selected St. Cloud, MN based South End Capital. Founded in 2009 by Noah Grayson as a nationwide, non-conforming commercial lender, South End Capital became a division of Stearns Bank N.A., a $2.3 billion financial institution, in June of 2021.

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Noah Grayson, President of South End Capital, Interviewed for Real Estate Bees Article “How Much Do Hard Money Lenders Charge?”

April 21, 2022

This article will clearly describe the charges and costs of hard money loans (that are sometimes also called private money loans). This includes hard money rates and terms, fees, closing costs, and payments. There’s a lot to discuss, so let’s get started.

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Noah Grayson, President of South End Capital, Interviewed for INSIDER Article “7 Key Things to Know When Seeking a Business Loan”

April 19, 2022

Grayson emphasizes three key factors that lenders prioritize before making lending decisions: Ability to repay the loan, the need for the money and how it will assist with a critical business need or growth, and the business and business owner’s overall creditworthiness.

“The number of employees the business has, or the amount of gross revenue (revenue received before expenses) doesn’t matter as much as the net income of the business (revenue after expenses) and the amount of time a business has been in operation,” Grayson says. “The higher the net income of the business and the longer the business has been in operation, the more financing options the business will have, and the more favorable terms will be available.”

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South End Capital Announces 723 Equipment Financings for $53M in March

April 6, 2022

South End Capital a division of Stearns Bank N.A., a trail-blazing commercial lender and tech-enabled equipment, real estate, and business loan platform, has announced another explosive month for equipment financing. The 723 equipment financings in March were delivered to start-up and established businesses of all kinds, and many were funded in hours and required the borrower to complete just a short verbal or 1-page application.

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South End Capital Announces a Selection of Recent Balance-Sheet and Marketplace Financings

March 21, 2022

We’re a $2.3 billion balance-sheet lender and tech-enabled loan marketplace offering a full spectrum of business and real estate loans from $1K to $75M. Most recently, we directly funded an 18-month, 7% rate, interest-only, short-term 4.71 acre land refinance loan with no prepay penalty. The land was raw, pre-development.  

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South End Capital Delivers 0% Down Payment Equipment Financing for Hard to Fund Industries

February 14, 2022

South End Capital a division of Stearns Bank N.A., a creative commercial lender and tech-enabled business, real estate, and equipment finance platform, has announced a selection of recent equipment financings. The highlighted equipment financing transactions were provided to industries often overlooked by other equipment lenders, and demonstrate South End’s ability to think outside the box.

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Trucks & Boats & Dumpsters, Oh My! South End Capital Presents a Selection of Recent Equipment Financings

February 9, 2022

From computers to airplanes and everything in between! if your small business needs to purchase or refinance equipment, we can help. We’re a $2.3 billion balance-sheet lender and tech-enabled loan marketplace offering a full spectrum of business and real estate loans from $1K to $75M. 

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South End Capital Opens Partner Program to Affiliate Marketers

January 12, 2022

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and tech-enabled business, real estate, and equipment loan platform offering loans from $1,000 to $80 million in all 50 States and D.C., has announced the expansion of its partner program to include affiliate marketers.

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South End Capital Announces 687 Equipment Financings for $49M in December

January 6, 2022

South End Capital a division of Stearns Bank N.A., an innovative commercial lender and tech-enabled business, real estate, and equipment finance platform, has announced another explosive month for equipment financing. The 687 equipment financings in December were delivered to start-up and established businesses of all kinds, and many were funded in hours and required the borrower to complete just a short verbal or 1-page application.

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Noah Grayson, President of South End Capital, Featured in Commercial Property Executive Article “The Upsides, Challenges of CRE Fintech”

January 5, 2022

Factors in fintech’s ascendency are many, including a COVID-era desire for contactless, technology-enabled business transactions and the goal of reducing the reams of paper involved in a transaction. Another factor is CRE borrowers’ expectation that loan processes will be expedited, as they have been in home mortgage and alternative business lending, said Noah Grayson…

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South End Capital Announces 499 Equipment Financings for $36M in November

December 22, 2021

South End Capital a division of Stearns Bank N.A., an innovative commercial lender and tech-enabled business, real estate, and equipment finance platform, has announced another record-breaking month for equipment financing. The 499 equipment financings in November were delivered to a variety of business types, and many were funded the same day and required the borrower to complete only a verbal or 1-page application.

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South End Capital Announces $35M in Equipment Financings in October

December 8, 2021

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and technology-enabled business, real estate, and equipment loan platform, has announced 528 equipment financings totaling approximately $35 million in the month of October.

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Noah Grayson, South End Capital President, Contributes to Forbes Article “12 Branding Fundamentals Vital To The Success Of A New Business”

November 19, 2021

No matter what industry you’re in, the success of a new business relies heavily on branding. From your values and image to your expertise and authority, your brand tells the story of your business in a way that grabs the attention of your ideal customers and clients.

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South End Capital Announces 504 Equipment Financings in September

October 26, 2021

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and technology-enabled business, real estate, and equipment loan platform, has announced 504 equipment financings totaling approximately $34 million in the month of September.

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South End Capital Releases Customizable Program Templates to Assist Referral Partners

September 30, 2021

South End Capital announced today that by popular demand—it has created templates which approved referral partners can white-label with their contact information and logo to market the firm’s financing programs. The program templates, along with detailed instructions, can be accessed on the “Resources” page of the South End Capital partner portal.

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South End Capital Announces Over $100 Million of Real Estate, Equipment, and Business Financings in August

September 22, 2021

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and technology-enabled business, real estate, and equipment loan platform, has announced over $100 million or real estate, equipment, and business financings in August. Highlighted transactions included a number of large-balance ground-up construction, and opportunistic bridge financings.

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South End Capital Announces 527 Equipment Financings in August

September 16, 2021

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and technology-enabled business, real estate, and equipment loan platform, has announced 527 equipment financings totaling approximately $35 million in the month of August.

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South End Capital Delivers Affordable Equipment Financing to Georgia Dental Practice

July 29, 2021

South End Capital a division of Stearns Bank N.A., a nationwide $2.2 billion direct lender and technology-enabled business, real estate, and equipment loan platform, has announced a $90,402 equipment financing. This financing assisted a Georgia-based dental practice with an expansion opportunity on the heels of the pandemic-induced economic downturn.

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South End Capital Announces a Selection of Recent Loan Closings

July 27, 2021

South End Capital provided a 1st mortgage commercial real estate “CRE” financing for debt consolidation and working capital. A 25-year term loan at a 6% rate was delivered. Additionally, the nationwide lender provided financing to purchase dental equipment, funded a 90% LTV, and a 60-month term with a 3-month delayed payment start date.

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Stearns Bank Acquires South End Capital

June 10, 2021

Stearns Bank N.A., a financial institution in Minnesota, has acquired South End Capital Corporation and its digital lending platform to expand financing options and banking services for businesses. Noah Grayson, founder and president, South End Capital, and his team will join Stearns Bank as a specialized Stearns Bank division, accelerating each company’s digital innovation and their shared vision to deliver real estate investors and business owners the premier marketplace for banking services and customized, affordable financing through an advanced online banking platform.

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Noah Grayson, South End Capital CEO, Contributes to Forbes Article “Nine Tips For Identifying New Hotel Real Estate Opportunities”

April 12, 2021

With the looming shade of Covid-19 slowly dissipating and vaccines rolling out, tourism is likely to resume in some capacity in the near future. Real estate investors have the perfect entry point into the hospitality real estate investment market. With so many businesses looking to cash out, it’s easier to acquire real estate investments now than ever before.

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Noah Grayson, South End Capital CEO, Contributes to Forbes Article “How To Estimate A Property’s Potential Value: 12 Tips For Investors”

March 29, 2021

One of the most contentious things that a real estate investor can attempt to do is tell the future. We’re not talking about crystal balls and reading palms but predicting the state of a property within the next few years. However, estimation of the rise in property value is directly linked to many factors, ranging from viability in the current locale to the market factors impacting residential and commercial purchases.

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Noah Grayson, CEO of South End Capital, Discusses Building A Scalable Loan Origination And Partner Platform Utilizing Technology

February 8, 2021

Below is a recent interview SuperbCrew conducted with our CEO, Noah Grayson, discussing the benefits of technology in loan origination.

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South End Capital Enables Referral Partners to Offer PPP Loans to Their Networks and Earn Referral Fees

February 1, 2021

PPP financing has been activated as a program option on all South End Capital Referral Partner referral links. Existing partners can log in to their Partner Portal to access their referral link and view compensation and program guidelines. Those interested in signing up as a South End Capital Referral Partner to offer PPP loans, and other financing options to their clients, can register here.

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South End Capital Announces a Selection of Recent Subprime SBA Loan Closings

January 26, 2021

We are pleased to announce that we were able to provide financing to businesses in industries that were significantly effected by COVID-19, including a restaurant, nail salon, and more.

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Why Small Businesses Matter in Norwalk (Reimagined): South End Capital Corporation

November 18, 2020

Small businesses matter – now more than ever. They are answering the call with innovation and determination like never before. We hope you join us in supporting them by sharing their story far and wide and shopping local!

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South End Capital Closes a $3,500,000 Permanent Mortgage, Secured by Retail Strip-malls Located in Different States

November 16, 2020

We refinanced the borrower’s 1st mortgage, provided additional renovations funds, and delivered a 5-year fixed, 25-year commercial mortgage at 7.5%. Retail strip-malls in different states were cross-collateralized for this loan. 

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South End Capital Closes a $225,000 Retail/Office/Church Refinance Mortgage During COVID-19 Pandemic

November 2, 2020

We refinanced the borrower’s 1st mortgage which was coming due and provided a stated income, 30-year fixed commercial mortgage at 8.99%. The tenants included a church, and we funded the loan in only 26 days.

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Noah Grayson, South End Capital President, Contributes to Forbes Article: Building A Brokerage? Avoid Partners With Any Of These 16 Traits

October 20, 2020

Building a real estate brokerage can be a rewarding and lucrative opportunity, but it isn’t something to rush into. You’ll want to do your research and carefully consider your options before making any major decisions.

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Noah Grayson, South End Capital President, Contributes to Forbes Article: Looking For Your First Investment Property? Follow These 13 Expert Tips

October 14, 2020

Branching out into real estate investment is an exciting opportunity, and if done thoughtfully, can turn a tidy profit for investors. However, this opportunity also comes with risks that can be financially detrimental.

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