South End Capital a division of Stearns Bank, N.A. Avis 

The process from beginning to the close was done in a streamlined manner. I have to say the service was great.

The process was clear and efficient. Great experience for all.

outstanding working witht he SouthEnd & Stearns Bank team

SouthEnd Capital/Stearns Bank came thru for me on a No Doc loan that a client came to me with strong credit and collateral but didn't want to use tax returns. The team came thru like champs and closed this deal is 30-35 days but could have been sooner if the title company were in order. Great experience and can't wait to work with them again.

Great product, great communication.

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.

Well spoken staff, fast processing, amazing products

From start to finish, very smooth and clear approach, process and execution. Mr Austin and Ms KF , both were very professional. Great experience.

Very efficient process!

Cody was such a pleasure to work with. He was always available and very helpful throughout the whole and long process. Stearns is lucky to have him! He really cares.

Working with Stearns Bank was one of the most collaborative and thoughtful experiences we've had through this process.

SBA financing is no small lift — it takes time, detail, and a team that doesn’t just check boxes, but actually leans in. The Stearns team did just that. They were proactive, transparent, and genuinely cared about getting us to the finish line.

There were twists and turns (there always are), but they never flinched. They kept us on track, communicated clearly, and made sure we always felt supported.

We're incredibly grateful — and proud to call them a partner.

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.

Working with this team has been fabulous for me, my customers and vendors alike. The ease of portal entry to approval, docs and funding is swift and seamless.
The knowledge and kindness they provide is always readily accessible by phone and email - a gift when immediate help is needed. They are and will continue to be top of the list for Clark Capital

Great company! Honest and reliable. Matt and his team consistently offer exceptional service and unmatched support. I highly recommend working them for all your finance needs.

It was a pleasure working with Stearns Bank. Not only did they act professional in every way but they also responded to questions immediaely. Also they were able to adapt quickly when the loan took differnt turns along the way,. Most banks cant do that

They suck. Bait and switch.
They claim to be a lender but rep is not familiar with any guidelines.
In their marketing The claim to have true line of credits but only offering hard money loc with up to 36 month.
My business is over 12 years old with established duns, and over 740 personal scores and I get bank loans no problem, and they don’t even have regular bank type products.
Looks like they get your info she then blast it to other banks with hopes that it lands somewhere.
Clueless and useless company in my opinion.
I have 2 stars because of good texting replies, but is about the only good think about them.

I got a loan through them for Vader mountain finance. Southend was very helpful, however my loan was retracted after closing! I appreciate the help but they really should not bring such lenders to their clients if they are going to refused after closing!

Perfect 👍is good for me us to get the money 😁

I recommend South End Capital a division of Stead s Bank for its solid reputation for exceptional customer service, a wide range of financial products, competitive rates, and an intuitive online platform. Its dedication to security and technological innovation also makes it an excellent choice for those seeking a reliable and modern financial institution.

SouthEnd Capital impresses with its wide range of flexible financing solutions. Their application process is straightforward, and the customer service team is knowledgeable and supportive. Ideal for anyone seeking hassle-free financial services with personalized attention.