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 do... See more
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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... See more
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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... See more
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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 w... See more
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Company details
Written by the company
South End Capital was founded in 2009 and is a division of Stearns Bank N.A., a $3.2 billion institution. Our innovative direct lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. A tech-powered platform and premier customer support offers equal access to industry-leading business, equipment, and real estate funding.
Contact info
4191 2nd St. S., 56301, St. Cloud, United States
- (320) 202 - 6106
- southend@stearnsbank.com
- southendcapital.com
4.5
Excellent
117 reviews
Replied to 100% of negative reviews
Typically replies within 1 week
A true partner every step of the way
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.
Date of experience: May 16, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
We can't thank you enough for your trust in us, your partnership, and this fantastic review. We look forward to continuing to build a long-lasting relationship and supporting your business goals. We're here when you need us!
THEY REALLY GET THE JOB DONE
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.
Date of experience: April 15, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for your business and partnership Ernst! We look forward to financing more transactions for you too!
Great Lender
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
Date of experience: April 03, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
You've been fantastic to work with and make our job easy! Thank you so much for your partnership and continuing to trust us with your clients.
Exceptional Service and Unmatched Professionalism
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.
Date of experience: April 01, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you so much for the fantastic feedback. You've been a pleasure to work with as well and we value your continued partnership!
Great Professional Experience
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
Date of experience: March 27, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you so much for the excellent feedback! We hope we have the opportunity to work with you again in the future.
We've had the pleasure of working with…
We've had the pleasure of working with South End Capital, and the experience has been outstanding from start to finish. Their team is knowledgeable, responsive, and truly understands the needs of our clients. Whether it's navigating complex transactions or providing timely support, they consistently go above and beyond. It's rare to find a financial partner that combines reliability, transparency, and a genuine commitment to long-term relationships — but South End Capital delivers on all fronts. We're proud to call them a trusted partner and look forward to continuing our collaboration.
Date of experience: March 27, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you Ben! We really value your partnership and have appreciated the opportunity to work with you on so many transactions. Your positive feedback means a lot to us and we look forward to continuing to collaborate with you long into the future.
They are no good and clueless!
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.
Date of experience: March 23, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Andre, could you please contact our customer service team at southend@stearnsbank.com with your contact information? We have requested it through Trustpilot and you have not responded, and we would like to be able to locate your transaction, and investigate your complaints so that we can come up with a solution. Currently we cannot locate any transactions linked to you in our system, and customer service is highly important to us, so we want to make sure that you are satisfied if you are an actual customer of ours. Thank you!
Very disappointing expierience
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!
Date of experience: March 20, 2025
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for sharing this feedback and we understand your frustration. We're going to investigate your financing request and see if there are any other options available through our marketplace. We'll have a representative reach out to you directly.
Perfect 👍is good for me us to get the…
Perfect 👍is good for me us to get the money 😁
Date of experience: June 30, 2024
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for your favorable review. Based on your comment of us being "perfect", we believe you incorrectly selected 3 stars. Could you please update your review to 5 stars?
Exceptional security and modern
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.
Date of experience: April 05, 2024
Reply from South End Capital a division of Stearns Bank, N.A.
Thanks for the excellent feedback and review!
SouthEnd Capital impresses with its…
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.
Date of experience: November 21, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
We appreciate the positive feedback, however we cannot locate you as a customer in our system. Please respond to our request for more information so we can identify your account. Thank you!
Greath choice
Each region needs its own development in the field of banking. This platform provides this opportunity and makes people's lives easier and more carefree. Great choice
Date of experience: December 08, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
We appreciate the positive feedback, however we cannot locate you as a customer in our system. Please respond to our request for more information so we can identify your account. Thank you!
Verified
The process was professional and effective.
The bank representatives were professional and helpful.
Date of experience: December 07, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for the kind feedback. We're glad we were able to assist you and your client with financing and hope we have a chance to help again!
My loan officer
My loan officer, Joshua was spectacular! He and his assistant, Amy, were with me every step of the way! I never once had to wonder what was going on. They both worked very hard for me and with me to get this loan done! Highly recommend!
Date of experience: November 30, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for the amazing review! Our team was thrilled to have the opportunity to work with you and help your business, and we hope to have the chance to assist you again in the future. Happy holidays!
Good company and best for all
Date of experience: November 28, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
We appreciate the positive feedback, however we cannot locate you as a customer in our system. Please respond to our request for more information so we can identify your account. Thank you!
Excellent service and programs!!
Date of experience: November 22, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
Thanks for the excellent feedback and review!
Verified
A truly professional banking experience.
The banker that was assigned to my client's file was extremely professional and did an amazing job managing the loan process. The banker showed a great deal of persistence in guiding this loan to a closing, as this loan had some challenges.
Date of experience: November 15, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you for the great feedback! We really appreciate your business and look forward to working with you again soon!
Felicia and Jen are amazing
Felicia and Jen are amazing! Easy and smooth experience for my client.
Date of experience: October 30, 2023
Verified
Amazing lender experience! I was assigned a lender who worke with…
I was assigned a lender who worked with me through the entire process. They were quick and very knowledgeable about the loan process. I would definitely recommend and use them again!!! Thank you for a fantastic experience!
Date of experience: October 12, 2023
Reply from South End Capital a division of Stearns Bank, N.A.
Thank you so much for the great feedback and review! We hope to have the opportunity to work with you again!
Excellent dealings and excellent…
Excellent dealings and excellent general services
Date of experience: September 23, 2023
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