About

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

$917,000
Restaurant, Bar & Grill
SBA 7(a) Refinance/Debt Consolidation
Lexington, OH

$1,825,000
Restaurant, Motel, SFR
SBA 7(a) Purchase/Refinance
Stone Park, IL

$3,300,000
Strip Mall Refinance
Small Balance Commercial
Anchorage, AK

$200,000
Gas Station
SBA 7(a) Working Capital
Wilmington, NC

$1,350,000
Equestrian Facility
SBA 7(a) Land Purchase/Construction
Magnolia, TX

$5,000,000
Crane Company
SBA 7(a) Debt Refinance/Equipment
La Mirada, CA

$380,000
Driving School / Raw Land
SBA 7(a) Debt Consolidation
Sacramento, CA

$1,200,000
Funeral Home
SBA 7(a) Debt Consolidation
Riverdale, MD

$898,000
Technology Co.
SBA 7(a) Debt Refinance/Equipment
Ammon, ID

$192,500
Auto Body Shop Refinance
Small Balance Commercial
Chicago, IL

$768,000
Multifamily Cash-Out Refinance
Small Balance Commercial
Marietta, GA

$185,500
Single Family Cash-Out Refinance
Small Balance Investment Residential
Bonita Springs, FL

$550,000
Light Industrial Purchase
Small Balance Commercial
South Gate, CA

$437,000
Lil Black Bear Inn
SBA 7(a) Purchase
Nashville, IN

$225,000
Cookies by Design, Inc.
SBA 7(a) Business Purchase
East Northport, NY

$3,300,000
Oral & Facial Surgery Clinic
SBA 7(a) Cash-Out Refinance
Mooresville, NC

$280,000
Veterinarian Clinic Purchase
Small Balance Commercial
Houston, TX

$175,000
Single Family Cash-Out Refinance
Small Balance Investment Residential
Melrose Park, IL

$900,000
Daycare Refinance
Small Balance Commercial
Hampton, GA

$400,000
Industrial Warehouse Purchase
Small Balance Commercial
Hemet, CA

$42,500
Technology Co.
Unsecured Business Credit Line
Princeton, NJ

$1,580,000
Engineering Training Co.
SBA 7(a) Debt / MCA Consolidation
Huntsville, TX

$200,000
Plumbing Contractor
SBA 7(a) Land / CRE Purchase
Priest Lake, ID

$782,000
Unbranded Gas Station / C-Store
SBA 7(a) Purchase / Debt Refi.
New Castle, DE

$627,000
Golf Cart Sales Co.
SBA 7(a) MCA/Debt Consolidation
Ponder, TX

$710,000
Oil Field Machine Co.
SBA 7(a) Business Purchase
Arimo, ID

$265,000
Dickey’s BBQ Franchise
SBA 7(a) Debt Consolidation
Mesa, AZ

$525,000
Office Refinance
Small Balance Commercial
Tuscaloosa, AL

$1,205,000
Dog Kennel
SBA 7(a) Debt Refi. & Working Cap.
Santa Clarita, CA

$1,638,000
Welding Co.
SBA 7(a) Land Purchase
Rifle, CO