About South End Capital
Founded in 2009 as a nationwide, non-conforming commercial lender, South End Capital became a division of Stearns Bank N.A., a $3.1 billion financial institution, in June of 2021. South End Capital’s innovative balance-sheet lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. The company’s tech-enabled platform and premier customer support offers equal access to industry-leading business funding.
Loan Programs
South End Capital offers affordable financing for business owners from $1,000 to $15 million plus, but primarily focuses on its popular Business and Equipment Financing programs.
Visit South End CapitalSBA & Conventional Program Highlights / Guidelines
Through South End Capital business owners can access flexible Conventional Loans, Term Loans, or preferred SBA Financing for a variety of business purposes such as to purchase or construct commercial real estate, buy or start a business, for large amounts of working capital, or to consolidate debt or merchant cash advances.
- $25,000 to $15 Million
- 650 Credit Score Minimum
- Competitive Interest Rates
- No Prepay Penalty Options
- Monthly Loan Payments
- 5- to 25-Year Loan Terms
- No Min. Time in Business
- Most Business Types Eligible
- Nationwide Financing
- Expedited Funding Available
Equipment Program Highlights / Guidelines
South End Capital is one of the nation’s top equipment lenders and its customized term and payment options can match your business’s cash-flow cycle. The firm’s innovative loan portal and live personal support enable it 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
- Same Day Funding
- NEW and USED Equipment
The Loan Process
South End Capital’s website offers basic information about the loan process. Applicants are encouraged to fill out a short online loan application to get started.
Pros
- South End Capital is a division of a $3.1 billion national bank, has a great industry reputation and has been in business for 15 years.
- Low interest rate, streamlined documentation loans starting at bankable rates are available for various financing programs.
- South End Capital specializes in SBA 7(a) business startup loans and construction financing, two program types that its competitors shy away from.
- Pay no upfront fees when you access Business or Equipment financing through South End Capital and applying won’t impact your credit.
- South End Capital is a nationwide tech-enabled lender marketplace, a preferred SBA lender, and one of the nation’s top equipment lenders making it a no-brainer for affordable business capital or equipment financing.
- NEW and USED equipment can be financed with as little as 0% down on purchase, plus start financing is available as is financing for equipment purchased from dealers/vendors and private-parties.
Cons
- Borrowers with credit scores below 650 will usually be placed through South End’s integrated, technology-based lender marketplace, which means you will work with a different end-lender.
- South End Capital is a business and equipment lender, it doesn’t make personal loans or primary residence loans.
Why South End Capital is the Best
We evaluated many business, and equipment lenders and named South End Capital the Best due to its flexible and innovative programs, its speed of execution and its customer service. South End Capital offers unique products including same-day equipment financing, and startup business loans, which make it a great option for a multitude of borrowers. South End Capital is a division of a $3.1 billion bank, utilizes the latest technology, and delivers a personalized, hands-on experience for each client.
Interested in partnering with South End Capital? Learn More.
Visit South End Capital