Commercial Lending Reinvented

South End Capital was founded in 2009 and is a division of Stearns Bank N.A., a $2.2 billion institution. Our innovative direct lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. A tech-powered platform and premier customer support offers equal access to industry-leading business, equipment, and real estate funding.

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FAST Capital

Thanks to our preferred SBA lender status and major guideline changes recently enacted, obtaining an SBA business loan with us is now easier, faster, and more affordable! Streamlined SBA working capital is now available up $500,000 with rates starting at Prime + 3%. Funding under $50,000 can even occur in days often without collateral or financials.

Eligible businesses can avoid costly merchant cash advances, pay $0 in SBA guarantee fees, and transition to predictable monthly loan payments.

  • Financing up to $500,000
  • Rates from Prime + 3%
  • Monthly Payments
  • 10-Year Loan Term
  • 700 Min. Credit Score
  • Streamlined Underwriting
  • No SBA Guarantee Fees 
  • 2 Yrs. Min. Time in Business
  • Nationwide Financing
  • No Prepayment Penalty
Get Financing

We are one of the nation’s top equipment lenders and our customized term and payment options match your business’s cash-flow cycle. Our innovative loan portal and live personal support enable us to issue financing approvals in hours, and fund in less than a day.

Most equipment and businesses are eligible, and you can count on the most competitive terms and a tailored equipment financing structure that works for you.

  • $5,000 to $5 Million+
  • Custom Payment Options
  • Competitive Pricing
  • Up to 10-Year Terms
  • Dealer & Private Party Sales
  • Nationwide Financing
  • 0% Down on Purchases
  • Start-Up Terms Available
  • Same Day Funding
  • NEW and USED Equipment
Get Financing

We offer multiple financing options for business owners including Real Estate Mortgages, SBA Loans, Term Loans, Credit Lines, Advances, Cannabis Loans, and more! We can even consider borrowers turned down by other lenders due to low credit or other financing barriers.

Funds can be used for any business purpose such as to purchase or construct real estate, buy or start a business, for working capital, or to consolidate debt or merchant cash advances.

  • $1,000 to $20 Million+
  • Nationwide Financing
  • Competitive Rates
  • Monthly Payment Options
  • Short and Long-Term Loans
  • Flexible Underwriting
  • Most Businesses Eligible 
  • Sole Proprietors are OK
  • Start-Up Financing Available
  • No Collateral Options
Get Financing

Recent Closings

Therapy Co.
SBA Working Capital Loan
11.00% Rate, 10-Year Term
Washington, DC

Consulting Co.
Working Capital Advance
6-Week Term, 1 Day Funding
Queens, NY

Junk Hauler Purchase
0% Down Payment, 1 Day Closing
13.14% Rate, 5-Year Term
Denver, CO

Excavator Purchase Financing
8.68% Rate, 5-Year Term
12-Month Early Buy-out Option
New Windsor, NY

Gym Equipment
20% Down Equipment Financing
9.03% Rate, 5-Year Term
Brooklyn, NY

0% Down Equipment Financing
11.884% Rate, 6-Year Term
Alpharetta, GA

Construction Financing
126-Unit Apartment Complex
2-Year Purchase & Renovation Loan
Chicago, IL

Cannabis Financing
Dispensary & Equipment Purchase
5-Year Term, 20-Year Amortization
Las Vegas, NV

Software Co.
SBA Express Credit Line
11.00% Rate, 10-Year Term
Tallahassee, FL

Anti-Aging Center
SBA 7(a) Franchise Start-Up
10.75% Rate, 10-Year Term
Nashville, TN

HVAC Franchise
SBA 7(a) Start-Up Loan
10.00% Rate, 10-Year Term
Teaneck, NJ

Pet Resort
SBA 7(a) Business Purchase
10.75% Rate, 10-Year Term
Pittsburgh, PA

Lawn Mowers
0% Down Equipment Financing
14.397% Rate, 3-Year Term
Erie, CO

Boom Lift
0% Down Equipment Financing
11.118% Rate, 5-Year Term
North Pole, AK

Construction Co.
Working Capital
10.24% Rate, 3-Year Fixed
Lula, GA

Hauling Co.
Equipment Financing
9.955% Rate, 5-Year Term
Metter, GA

SBA 7(a) Expansion Loan
10.5% Rate, 10-Year Term
Indianapolis, IN

Construction Co.
SBA 7(a) Debt Consolidation
10.75% Rate, 10-Year Term
Chesterfield, VA

Logging Co.
Equipment Financing
8.56% Rate, 5-Year Term
Lyndhurst, OH

Wellness Co.
SBA Express Working Capital
Prime + 6.5%, 10-Year Term
Clermont, FL

Restaurant Building
SBA 7(a) Refinance & Expansion
10.25% Rate, 10-Year Term
Atlanta, GA

Hauling Co.
Equipment Financing
12.13% Rate, 5-Year Term
Riverside, CA

Sandwich Franchise
SBA 7(a) Business Purchase
9.25% Rate, 10-Year Term
Las Vegas, NV

Construction Co.
Equipment Financing – 3 Day Close!
10.63% Rate, 0% Down Payment
Sugar Hill, GA

Freight Logistics Co.
SBA 7(a) Line of Credit
9.75% Rate, 10-Year Term
Vancouver, WA

Aesthetic & Wellness Spa
SBA 7(a) Expansion Loan
9% Rate, 25-Year Term
Boston, MA

Equipment Supplier
80% LTV Industrial Building Purchase
8.5% Rate, 3-Week Closing
Palm Harbor, FL

Medical Clinic
75% LTV Office Building Purchase
9.5% Rate, Foreign National
Tampa, FL

Long-Haul Trucking Co.
Equipment Financing
14.36% Rate, 0% Down Payment
Wilmington, CA

Laboratory Testing Co.
Equipment Financing
7.79% Rate, 5-Year Term
Waite Park, MN