South End Capital offers 0% down payment equipment financing for hard-to-finance industries

South End Capital finances equipment for hard-to-finance industries

Innovative Equipment Lender Proves Equipment Financing Can Still Be Fast and Affordable for Commercial Trucking and Other Specialty Industries

If the company and the borrower have strong fundamentals and the collateral is essential to the business, then this is a transaction we will accept all day regardless of industry type.

— Noah Grayson, President of South End Capital

ST. CLOUD, MINNESOTA, USA, February 14, 2022 / — South End Capital, a division of Stearns Bank NA, a creative commercial lender and technology-focused business, real estate and equipment finance platform, announced a selection of equipment finance recent. the highlighted equipment financing transactions have been supplied to industries often overlooked by other equipment lenders and demonstrate South End’s ability to think outside the box.

Among the 481 equipment financings funded in January by the lender on the $2.3 billion balance sheet were those delivered to companies that regularly struggle to locate themselves reasonably priced equipment financing such as commercial trucking, boating and restaurants. “If the business and the borrower have strong fundamentals and collateral is business critical, then this is a transaction we’ll accept all day regardless of industry type,” Noah said. Grayson, chairman of South End Capital.

South End Capital’s equipment finance program terms are customized and uniquely structured to match a company’s cash cycle, industry and needs. Equipment finance rates start in the 4% range and terms up to 60 months are available for deal sizes ranging from $5,000 to $5 million+ (purchase or refinance). In many cases, 100% of the equipment purchase price can be financed with a 0% down payment or capital injection from the borrower. South End can provide NEW and USED equipment financing to most industries and entity types, including sole proprietors, and further differentiates itself by financing dealer AND individual sales.

Individuals wishing to access fast and affordable equipment financing, or in need of flexible business or real estate capital, are invited to contact South End Capital directly at [email protected] or visit Additionally, South End Capital welcome partners of all kinds and offers competitive compensation, co-branded webpage and unique referral link, 24/7 lead tracking, automated status updates, marketing resources, onboarding API and private label options for high volume relationships.


Founded in 2009 as a nationwide non-compliant commercial lender, South End Capital became a division of Stearns Bank NA, a $2.3 billion financial institution, in June 2021. Our innovative on-balance sheet and our comprehensive market financing offer a full range of capital solutions for emerging and expanding businesses. South End Capital’s industry-leading technology platform and customer support provide equal access to leading-edge conventional and alternative equipment, real estate and business financing.

South End Capital a division of Stearns Bank, NA
Equal Housing Lender
FDIC member

Noah Grayson
Southern capital
+1 320-202-6106
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