Clarify the Use of Funds
A purchase, equipment need, property transaction, working-capital gap, or growth plan can call for different financing routes and documentation.
Get SBA loans, equipment financing, commercial real estate, and working capital — even if a big bank already said no.
You're pre-matched with South End Capital. Click below to start your secure application — a funding specialist will also follow up within 24 hours. credit review requirements vary.
Complete My Application →Long-term SBA financing, equipment, real estate, or fast working capital — there's a program built for your situation.
Preferred SBA lender with decades of experience. Business acquisitions, startups, and specialized programs including the International Trade Loan.
No-doc and low-documentation CRE loans nationwide. Raw land, houses of worship, 1–4 family rentals, and more. Application-only up to $500K.
Access the nation's top equipment lenders. New and used, dealer or private party. Application-only up to $350K. Most industries and credit profiles.
Fixed-rate, long-term, low-documentation term loans with monthly payments. Working capital, debt consolidation, equipment, inventory, or expansion.
Revolving credit — draw when you need it, pay back, draw again. No tax returns required in most cases. Lower rates than a card, with higher limits.
One application, multiple offers. Approved in hours, funded same day. Daily, weekly, or monthly repayment. We can even consider borrowers turned down elsewhere.
Answer a few quick questions — 60 seconds, credit review requirements vary, no obligation.
We match you to the right program and lender for your situation and send you straight to the application.
Decisions in as little as 48 hours on SBA — and same-day funding on fast capital and equipment.
Six loan programs and dozens of lenders — one application matches you to all of them.
Backed by South End Capital, a division of Stearns Bank, N.A. (Member FDIC) — a $3.6B direct lender.
Fast underwriting, clear answers, and same-day funding options when you need capital now.
Turned down elsewhere? Thin file? Prior credit issues? We specialize in finding a path forward.
See what you qualify for with zero impact to your credit score. Check first, decide later.
Wherever your business operates, we can fund it. Remote, fast, and fully supported.
No. Checking your rate uses a soft inquiry, which has zero impact on your credit score. A hard pull only happens later if you choose to move forward with a specific offer.
It depends on the program: fast capital and equipment can fund the same day, term loans and lines within days, and SBA decisions typically come back within 48 hours.
Very often, yes. Because we work across six programs and many lenders, we can place deals that a single bank can't — including thinner files, prior credit issues, and hard-to-place industries.
It varies by program. Several options (fast capital, equipment, credit lines) have no set credit-score minimum, while SBA and term loans start around 660–690. Check your rate and we'll match you to what fits.
None. Checking your rate and getting matched is completely free with no obligation. You only move forward if an offer makes sense for your business.
credit review requirements vary. No obligation. Just a clear answer on the funding your business can get.
Check My Rate — Free →Business financing is not one product. The right conversation begins with the purpose of capital, time in business, revenue profile, collateral, ownership, and the documents a lender may need to review.
A purchase, equipment need, property transaction, working-capital gap, or growth plan can call for different financing routes and documentation.
Lenders may review business history, cash flow, credit profile, collateral, industry, ownership, and other information. Requirements vary by product and lender.
A funding conversation can compare options such as SBA loans, equipment financing, commercial real estate, term loans, credit lines, or working capital where appropriate.
Financing is subject to lender approval. Product availability, rates, fees, repayment terms, collateral requirements, and credit impact vary by lender and applicant. This page is informational and is not lending, legal, or financial advice.
If you are a broker or referral partner, see Hot Lead Kit and Ready-to-Fund Leads for related business-development resources.
Depending on the situation, options may include SBA-backed financing, equipment financing, commercial real estate financing, term loans, lines of credit, or working capital. Availability and terms vary.
No. Lenders set their own criteria and approval decisions. A preliminary discussion can clarify which information and routes may be appropriate, but it does not guarantee approval or terms.
The exact request varies, but lenders may review the purpose of funds, business history, revenue or cash flow, ownership, credit information, collateral, and supporting documents.