Same Day Equipment Financing SBA Startup Funding South End Capital a division of Stearns Bank, NA.

South End Capital a division of Stearns Bank, NA, LendingTree.com, Business Loan Analyst, LendingTree® Mortgages, BusinessLoanAnalyst.com, LendingTree® Official Site, We are one of the nation’s top equipment financing lenders with over 30 Certified Lease Finance Professionals (CLFP) on staff. Our customized term and payment options match your business’s cash-flow cycle, and our innovative loan portal and live personal support enable us to issue financing approvals in hours, and fund in less than a day. 
$5,000 to $5 Million+
Custom Payment Options
Competitive Pricing
Up to 60-Month Terms
Most Industries Eligible
Dealer & Private Party Sales
Nationwide Financing
0% Down on Purchases
Start-Up Terms Available
Approvals in Hours
Same Day Funding
NEW and USED Equipment 
As a division of a $2.3 billion bank, you can count on the most competitive terms and a tailored equipment financing structure that works for you. Any mission critical equipment and most industries are considered. Click below to learn more and be contacted by a team member.

Franchise Financing

Franchise financing can be a frustrating process without knowing your options. Apart from your local bank, these options fall under 3 main categories:

1. SBA Financing
The U.S. Small Business Administration (SBA) guarantees loans for private banks/lenders. Programs include the popular 7(a) loan.

2. Non-SBA and Specialty Franchise Financing
There are commercial lenders that specialize in franchise financing through equipment leases and structured term loans. There is also the ERSOP program, using your 401k or IRA as start-up capital without penalties, taxes or distributions.

personal loans
3. The Franchisor
Many franchise companies either offer financial assistance themselves or help franchisees finds a bank or other lender. Most have a list of "preferred lenders".

Personal Assets
Whether it's SBA or non-SBA franchise financing, anywhere from 15% to 30% of the total capital need can be required of the borrower. Franchise start-up costs vary wildly across franchises. A borrower may need to refinance their personal property or liquidate stocks, bonds, IRAs, 401k, etc.

If possible it would be best if an individual could obtain the credit they need using business credit instead of personal credit, so that personal assets are not at a full risk. Also banks are more apt to loan more money to a business than to an individual. Building good business credit works just the same as building personal credit.

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