Founded in 2009 as a nationwide, non-conforming commercial lender, South End Capital became a division of Stearns Bank N.A., a $2.3 billion financial institution, in June of 2021. Our innovative balance-sheet lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. South End Capital’s tech-enabled platform and premier customer support offers equal access to industry-leading conventional and alternative equipment, real estate, and business funding.
Funding Programs
Real Estate Funding Program
We are a top-ranked balance sheet real estate lender offering streamlined mortgages for commercial and investment residential property (no personal residences). Rural locations, foreign nationals, special-purpose property (even land), and other financing barriers can be considered.
Purchase, refinance, fix-and-flip, construction, development, bridge, and cash-out loans are available in all 50 States + D.C. Our team is experienced with complex commercial loan structures, and we provide flexible and creative short-term and long-term mortgages secured by a variety of property types. Prequalify below to learn more and to be contacted by a team member.
Get Your Free
Business Finance Assessment!
to Discover your Optimal Path to Improve Fundability, Build Business Credit, and Get Business Loans
$25,000 to $75 Million
Rates Start at 5%
High LTV Financing
Non-Profits are OK
Fully Amortizing Loans
No Prepay Penalty
Interest Only Available
Unrestricted Cash-Out
Expedited Closing Process
Flexible Underwriting
Investor & Owner-Occupied Commercial Property
Business Funding Program
As a direct business lender and tech-based loan marketplace, we offer a multitude of loans options for business owners including; SBA 7(a), SBA 504, USDA, conventional, and non-conforming financing. We can even consider borrowers turned down by other lenders due to special-purpose collateral, a unique business, or other traditional financing barriers.
Funds can be used for any business purpose such as to purchase or construct real estate, buy or start a business, for working capital, to refinance debt, or consolidate merchant cash advances. Prequalify below to learn more and to be contacted by a team member.
$1,000 to $25 Million
Rates Start at 5%
Monthly Payments
Short and Long-Term Loans
Flexible Underwriting
Most Businesses Eligible
Sole Proprietors are OK
Unrestricted Working Capital
Start-Up Financing Available
No or Low Collateral
High LTV Financing
Nationwide + Rural Locations
Equipment Funding Program
We are one of the nation’s top equipment financing lenders with over 30 Certified Lease Finance Professionals (CLFP) on staff. Our customized term and payment options match your business’s cash-flow cycle, and our innovative loan portal and live personal support enable us to issue financing approvals in hours, and fund in less than a day.
As a division of a $2.3 billion bank, you can count on the most competitive terms and a tailored equipment financing structure that works for you. Most mission critical equipment and industries are considered. Prequalify below to learn more and to be contacted by a team member.
$5,000 to $5 Million+
Custom Payment Options
Competitive Pricing
Up to 10-Year Terms
Most Industries Eligible
Dealer & Private Party Sales
Nationwide Financing
0% Down on Purchases
Start-Up Terms Available
Approvals in Hours
Same Day Funding
NEW and USED Equipment
Customer Support
(320) 202–6106
4140 Thielman Lane
St. Cloud, MN 56301