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Commercial Lending Reinvented

South End Capital was founded in 2009 and is a division of Stearns Bank N.A., a $2.2 billion institution. Our innovative direct lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. A tech-powered platform and premier customer support offers equal access to industry-leading business, equipment, and real estate funding.

Programs

  • $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

We are one of the nation’s top equipment lenders and our customized term and payment options match your business’s cash-flow cycle. Our innovative loan portal and live personal support enable us 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.

Get Financing

  • $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

We are one of the nation’s top equipment lenders and our customized term and payment options match your business’s cash-flow cycle. Our innovative loan portal and live personal support enable us 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.

Get Financing

  • $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

We are one of the nation’s top equipment lenders and our customized term and payment options match your business’s cash-flow cycle. Our innovative loan portal and live personal support enable us 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.

Get Financing

Recent Closings

$105,000
Handyman Service
SBA Business Start-Up Loan
11.75% Rate, 10-Year Term
Stockbridge, GA

$150,000
Retail Clothing Store
SBA Working Capital Loan
9.00% Rate, 10-Year Term
St. Cloud, MN

$355,000
Therapy Co.
SBA Working Capital Loan
11.00% Rate, 10-Year Term
Washington, DC

$35,000
Consulting Co.
Working Capital Advance
6-Week Term, 1 Day Funding
Queens, NY

$110,097
Junk Hauler Purchase
0% Down Payment, 1 Day Closing
13.14% Rate, 5-Year Term
Denver, CO

$53,650
Excavator Purchase Financing
8.68% Rate, 5-Year Term
12-Month Early Buy-out Option
New Windsor, NY

$125,185
Gym Equipment
20% Down Equipment Financing
9.03% Rate, 5-Year Term
Brooklyn, NY

$116,039
Excavator
0% Down Equipment Financing
11.884% Rate, 6-Year Term
Alpharetta, GA

$19,195,956
Construction Financing
126-Unit Apartment Complex
2-Year Purchase & Renovation Loan
Chicago, IL

$250,000
Software Co.
SBA Express Credit Line
11.00% Rate, 10-Year Term
Tallahassee, FL

$975,000
Anti-Aging Center
SBA 7(a) Franchise Start-Up
10.75% Rate, 10-Year Term
Nashville, TN

$215,000
HVAC Franchise
SBA 7(a) Start-Up Loan
10.00% Rate, 10-Year Term
Teaneck, NJ

$225,000
Pet Resort
SBA 7(a) Business Purchase
10.75% Rate, 10-Year Term
Pittsburgh, PA

$45,163
Lawn Mowers
0% Down Equipment Financing
14.397% Rate, 3-Year Term
Erie, CO

$262,500
Boom Lift
0% Down Equipment Financing
11.118% Rate, 5-Year Term
North Pole, AK

$42,596
Construction Co.
Working Capital
10.24% Rate, 3-Year Fixed
Lula, GA

$148,950
Hauling Co.
Equipment Financing
9.955% Rate, 5-Year Term
Metter, GA

$261,900
Restaurant
SBA 7(a) Expansion Loan
10.5% Rate, 10-Year Term
Indianapolis, IN

$340,000
Construction Co.
SBA 7(a) Debt Consolidation
10.75% Rate, 10-Year Term
Chesterfield, VA

$252,037
Logging Co.
Equipment Financing
8.56% Rate, 5-Year Term
Lyndhurst, OH

$25,000
Wellness Co.
SBA Express Working Capital
Prime + 6.5%, 10-Year Term
Clermont, FL

$350,000
Restaurant Building
SBA 7(a) Refinance & Expansion
10.25% Rate, 10-Year Term
Atlanta, GA

$52,874
Hauling Co.
Equipment Financing
12.13% Rate, 5-Year Term
Riverside, CA

$139,500
Sandwich Franchise
SBA 7(a) Business Purchase
9.25% Rate, 10-Year Term
Las Vegas, NV

$66,829
Construction Co.
Equipment Financing – 3 Day Close!
10.63% Rate, 0% Down Payment
Sugar Hill, GA

$350,000
Freight Logistics Co.
SBA 7(a) Line of Credit
9.75% Rate, 10-Year Term
Vancouver, WA

$4,900,000
Aesthetic & Wellness Spa
SBA 7(a) Expansion Loan
9% Rate, 25-Year Term
Boston, MA

$570,000
Equipment Supplier
80% LTV Industrial Building Purchase
8.5% Rate, 3-Week Closing
Palm Harbor, FL

$650,000
Medical Clinic
75% LTV Office Building Purchase
9.5% Rate, Foreign National
Tampa, FL

Align your financial endeavors with Acumen Capital Group, where creative solutions and unwavering dedication converge. We specialize in transforming your business goals into tangible successes, crafting a distinctive path to triumph for your enterprise.