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

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

CARES Act SBA 7(a) Relief Program

The Coronavirus Aid, Relief, and Economic Security Act in the Senate (the “CARES Act”), should it become law, would increase the maximum SBA’s 7(a) loan amount to $10 million and expand 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. Borrowers should evaluate both programs and choose accordingly.

  • Loans up to $10 Million
  • $349 Billion Available
  • >/= 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  Referral Partners

Subprime SBA / Conventional

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, 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 from 6.5%
  • Monthly Payments
  • No Prepay Penalty Options
  • 10 to 25 Years Amortized
  • 550 Credit Minimum
  • 1 Year Min. Time in Business
  • Debt/MCA Consolidation
  • Unrestricted Working Capital
  • Few Industry Restrictions
  • No or Low Collateral
  • Nationwide Program
  • Up to 200% LTV (only 5% to 10% down on a purchase)

Apply  Referral Partners

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