Founded in 2009, South End Capital is a division of Stearns Bank N.A., a $3.6 billion institution. We offer innovative, no- and low-documentation commercial real estate loans up to $1 million nationwide, with the ability to close in weeks, not months. For loans up to $500,000, our application-only program requires no bank statements, tax returns, or financial statements. Only a few additional items are needed for requests exceeding $500,000.
We consider most real estate types, including raw land, houses of worship, and 1-to-4 family rental properties. There are no minimum property occupancy, cash-flow, or debt-service requirements. Properties can be held personally or under an entity, and we accept borrowers who are U.S. citizens, legal permanent residents, non-profits, or ITIN holders. Our tech-powered platform and premier customer support offers equal access to industry-leading real estate financing. Brokers and referral partners are welcome; we offer fee protection and pay competitive referral fees up to 3%!
Working with Adam and Kaitlin to close our first CRE file was an excellent experience. They were professional, communicative, and consistently proactive with follow ups, keeping our team informed throughout the entire process. Everyone collaborated seamlessly, and I look forward to working together on many more closings in the future.
Kelly Blake-Stephens
Ernst Pierre here and I can truly say what a great experience I had with this company. They came through for my client who owns a trucking company and was in need of working capital. Thank you Matt Naughton for always making yourself available to answer questions. Looking forward to closing Bigger deals this week with you guys.
Ernst Pierre
My loan officer, Joshua was spectacular! He and his assistant, Amy, were with me every step of the way! I never once had to wonder what was going on. They both worked very hard for me and with me to get this loan done! Highly recommend!
Jennifer Worthem
