South End Capital offers merchant cash advance holders a better option

Merchant Cash Advance holders can access 10-year financing starting at Prime + 4.5%

$2.3 billion on-balance sheet lender answers the call of small business owners burdened with onerous daily and weekly payment advances

Our program is not a gimmick, but a 10-year, low-rate monthly loan that as a $2.3 billion regulated bank we are able to offer eligible business owners for help them to properly size their path.

— Noah Grayson, President of South End Capital

ST. CLOUD, MINNESOTA, USA, September 20, 2022 / — South End Capital, a division of Stearns Bank NA, a national commercial lender and finance platform for businesses, real estate and technology equipment, has come to the rescue of small business owners seeking an economical solution alternative to expensive merchant cash advances. In addition to affordability, the ease of the South End scheme is what makes it appealing, as often no tax returns, material or financial collateral is required and funding can be provided through a streamlined application process in just a few hours.

Drawing on decades of experience as a nationwide business lender, South End Capital is actively funding a loan program that enables eligible business owners with existing merchant cash advances to access affordable working capital. “Many merchants holding cash advances are locked out of affordable financing, can only get other business advances, or are relegated to debt negotiation products that can make a business worse off,” Noah said. Grayson, chairman of South End Capital. “Our program is not a gimmick, but a low-rate, 10-year monthly repayment loan that as a $2.3 billion regulated bank we are able to offer eligible business owners. to help them find the right path to growth.”

Not everyone will qualify for a simplified business loan from South End Capital, but their program is designed with simplicity and speed in mind. Additionally, although funds are provided as working capital, merchants must have a history of on-time payment for existing debt and the funding amount cannot exceed $25,000.

Interested borrowers can complete a rapid financing application form, and if eligible, will receive a link to a short application that can be completed and signed electronically. From there, only a few remaining items are collected and assessed before approval and funding. The following parameters describe South End Capital’s working capital program:

– Most companies considered
– 725+ minimum business owner credit
– 4+ years minimum time in business
– Rates start at Prime + 4.5%
– Monthly loan repayment
– Loan terms fully amortized over 10 years
– No prepayment penalty
– Funding in hours

South End Capital offers merchants with cash advances other loan products up to $5 million, where businesses have been in business for more than 2 years and the business owner’s credit is 650+ , but additional documents and guarantees will be required.

To see if you are eligible for affordable and fast working capital financing, you 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 web page and referral link, 24/7 lead tracking, automated status updates, marketing resources, API integration 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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