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Lender profile

South End Capital

Direct funder St. Cloud, MN Founded 2009 Checked Sep 10, 2026
South End Capital, a division of Stearns Bank N.A. based in St. Cloud, Minnesota, offers term loans, SBA 7(a) loans, equipment financing, lines of credit, working capital and commercial real estate loans. Amounts run from $1,000 to $5 million, and its published minimums, which vary by program, include a 650 credit score, 6 months in business and $14,000 in monthly revenue. It says same-day funding is available on some programs.
Visit southendcapital.com Compare with similar funders
Heads up. It publishes starting rates, including fixed interest rates from 8.77% on term loans and 8.5% on equipment financing, which most funders we track do not. Its working capital program and some equipment deals are placed with partner lenders rather than funded in-house.

The open book

What South End Capital publishes, and what it doesn't

8 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$1K–$5M
Minimum credit score
650+
Minimum time in business
6 months
Minimum monthly revenue
$14,000
Speed, in its words
Same-day funding available

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

South End Capital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
$50K–$1M
Price
Not published
Term
Up to 60 months
Repayment
—
Minimums
Credit 690+ · Time in business n/p · Revenue n/p
Speed
Close as Fast as 2 Weeks
Fees
No upfront or application fees. "SEC charges standard origination and closing fees. Because we are a division of a bank, our fees tend to be lower than our competitors." Due diligence fees (appraisals, environmental reports) are payable after term sheet acceptance. No dollar or percentage amounts published.
Collateral
Required
Sources (1)
  • $50,000 to $1 Million | 690 Credit Minimum | Interest Rates From Prime + 2% | 5 Year Term, 25 Year Amortization | 50% Maximum LTV
    southendcapital.com/programs · checked 2026-09-10
Price not published
Amounts
$1K–$500K
Price
Not published
Term
Up to 36 months
Repayment
—
Minimums
Credit n/p · Time in business 6 months · Revenue $14K/mo
Speed
Same-Day Funding Available
Fees
No upfront or application fees. "No Prepayment Penalties". No origination, admin or underwriting fee amounts published for this program.
Collateral
Not required
Sources (1)
  • $1,000 to $500,000+ | No Credit Score Minimum | Affordable Interest Rates | Up to 36-Month Terms | 6+ Months Time in Business | $14,000+ Monthly Revenue Min.
    southendcapital.com/programs · checked 2026-09-10
Price published
Amounts
$30K–$5M
Price
Rate from 8.5%
Term
Up to 84 months
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Same-Day Funding Available
Fees
No upfront or application fees; "standard origination and closing fees" at closing. No amounts published. "0% Down on Purchases".
Sources (1)
  • $30,000 to $5 Million | No Set Credit Score Min. | Financing Rates From 8.5% | Up to 84-Month Terms | 0% Down on Purchases | Same-Day Funding Available
    southendcapital.com/programs · checked 2026-09-10
Price not published
Amounts
$25K–$5M
Price
Not published
Term
Up to 300 months
Repayment
Monthly
Minimums
Credit 650+ · Time in business n/p · Revenue n/p
Speed
30 to 90 days
Fees
No upfront or application fees; "standard origination and closing fees" at closing. "No Prepay Penalty Options". No amounts published.
Sources (1)
  • $25,000 to $5 Million | Interest Rates From Prime + 0.75% | 650 Credit Minimum | Up to 25-Year Loan Terms | 100% LTV Financing Available
    southendcapital.com/programs · checked 2026-09-10
Price published
Amounts
$20K–$500K
Price
Rate from 8.77%
Term
Up to 144 months
Repayment
Monthly
Minimums
Credit 660+ · Time in business 2 years · Revenue $20K/mo
Speed
Quick Closings Available
Fees
No upfront or application fees. "SEC charges standard origination and closing fees. Because we are a division of a bank, our fees tend to be lower than our competitors." No amounts published.
Collateral
Not required
Sources (1)
  • $20,000 to $500,000 | 660 Credit Minimum | Fixed Interest Rates From 8.77% | No Hard Collateral Required | 2+ Years Time in Business | $20,000 Monthly Revenue Min.
    southendcapital.com/programs · checked 2026-09-10
Price not published
Amounts
$1K–$500K
Price
Not published
Term
Not published
Repayment
Variable
Minimums
Credit n/p · Time in business 6 months · Revenue $14K/mo
Speed
Same-day funding; approval in only a few hours
Fees
No upfront or application fees. No origination, admin or underwriting fee amounts published for this program.
Collateral
Not required
Sources (1)
  • $1,000 to $500,000+ | No Credit Score Minimum | 6+ Months Time in Business | $14,000+ Monthly Revenue Min. | No Collateral Required
    southendcapital.com/programs · checked 2026-09-10

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BriteCap Financial

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Credibly

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$5K–$10M550+ creditPrice published

Pages we read

  1. https://southendcapital.com
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing South End Capital here doesn't mean it works with Openbook.

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