Bankable Terms for Un-Bankable Borrowers

Founded in 2009 as a nationwide, non-conforming commercial lender, South End Capital became a division of Stearns Bank, N.A., a $2.2 billion financial institution, in June of 2021. We offer mortgages secured by commercial and investment residential real estate, collateralized and uncollateralized business loans, and equipment financing. Our technology-enabled platform delivers a streamlined loan process, and we are committed to providing excellent service and innovative, affordable financing.

Minimum Requirements

  • $1,000 to $25 Million
  • Rates Start at 5%
  • Monthly Payments
  • For-Profit and Non-Profit
  • Short and Long-Term Loans
  • 550 Credit Minimum
  • Most Businesses Eligible
  • Unrestricted Working Capital
  • 6 Month+ Time in Business
  • No or Low Collateral
  • High LTV Financing
  • Nationwide + Rural Locations

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