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South End Capital

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Broker and lender for commercial real estate loans and equipment financingEncino, CaliforniaUnited States: all 50 states and Washington, DC.
BBLL 000194Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

South End Capital combines in-house real-estate lending with a financing marketplace. Product requirements differ substantially across channels.

SBA lender. Business lending is mostly SBA 7(a) and 504 loans.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

Financing they offer

Commercial real estate loansEquipment financingBusiness lines of creditSBA 7(a) loansTerm loansWorking capital loans

Some products may be arranged through other lenders.

From the lender's own site and public records.

A second look at South End Capital

South End Capital combines in-house real-estate lending with a financing marketplace. Product requirements differ substantially across channels.

Division of Stearns Bank, N.A.; both direct lender and intermediary. The current page places term loans, SBA and equipment options in its marketplace section.

Published by Levr, not by South End Capital. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Direct real-estate financing

Amount and leverage
$50,000–$1 million; maximum 50% LTV.
Repayment
Five-year term with 25-year amortization.
Credit and documents
690 credit minimum; application-only through $500,000, additional documentation above that.

Provider sources: Current programs and FAQ · Stearns acquisition and division identity

Marketplace term loan

Amount and duration
$20,000–$500,000; fixed 12-year financing with monthly payments.
Entry screen
660 credit, two years in business and $20,000 monthly revenue.
Fees
No application fee; due-diligence charges may follow accepted terms. Origination and closing costs apply.

Provider sources: Current programs and FAQ

When it may fit

Our assessment of the published programs

  • Compare a property-backed offer with marketplace financing only after identifying the actual creditor and full repayment schedule.

What to weigh carefully

  • Advertised minimum rates are not personalized quotes.
  • A five-year maturity with longer amortization can leave a large balance to refinance.
  • Marketplace cash advances and loans have different legal structures.

Questions before you accept an offer

  1. Who funds and services this offer?
  2. What net amount reaches my account?
  3. What balance is due at maturity and what does early payoff cost?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Taycor Financial

Compare Taycor for equipment-specific finance.

Live Oak Bank

Compare Live Oak for a direct SBA lending discussion.

The lender

Type
SBA lender
Legal name
Stearns Bank, N.A.
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
Encino, California
Service area
United States: all 50 states and Washington, DC.
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
southendcapital.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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