South End Capital a Division of Stearns Bank N.A.

Because we lend from our own balance sheet, we’ve streamlined our process to move past traditional lending barriers, offering a simple one-page application with no income documentation required.
This is a "common-sense," equity-driven solution designed for your borrowers who need speed and want to avoid the extensive paperwork often found in the commercial market.
The “Sweet Spot” for this program ($50,000 Up to $500,000):
• Flexible Use of Funds: Available for Purchase, Rate/Term, or Unrestricted Cash-Out (use for liquidity, expansion, or to purchase more property).
• True No-Doc: No tax returns, no occupancy requirements, and no DSCR hurdles.
• Speed: No third-party appraisal required in most cases; only a 1-page app, credit report, and photos to fund.
• Flexible Assets: Most commercial types considered, including Raw Land, Investment Residential (1-4 units), Non-Profits, and Houses of Worship.
• Market Flexibility: Rural friendly with no population minimums—Nationwide.
• LTV & LTC: 50% Max LTV (or 65% LTC if purchased in last 3 years).
• Credit Requirement: Minimum average 690 Beacon score.
• Asset Condition: Focus is on turnkey, move-in ready assets in good leasable condition (No rehab or construction).
• Borrower Status: US Citizens, Permanent Residents, and ITIN Holders are all eligible.
• Broker Benefit: Earn 3% of the funded loan amount.