South End Capital

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 FAST CAPITAL and Equipment Financing programs.

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FAST CAPITAL Program Highlights / Guidelines

Thanks to its tech-enabled lender marketplace, preferred SBA lender status, and major guideline changes recently enacted, obtaining a small business loan with South End Capital is now easier, faster, and more affordable! streamlined working capital is available up to $500,000 and most business types are eligible. Funding can even occur same-day often without collateral or financials.

  • $1,000 to $500,000+
  • No Min. Credit Score
  • Competitive Financing Rates
  • No Collateral Required
  • Streamlined Underwriting
  • No Min. Revenue Required
  • No Min. Time in Business
  • Most Business Types Eligible
  • Nationwide Financing
  • Same-Day 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
  • Start-Up Terms Available
  • Same Day Funding
  • NEW and USED Equipment
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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.


  • 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.
  • FAST CAPITAL financing can occur same-day often without collateral or financials and expedited business financing over $500,000 is available as well.
  • Pay no upfront fees when you access FAST CAPITAL 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 working 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.


  • Borrowers with credit scores below 700 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 no prepayment penalty 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.

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