Strategic Capital Solutions
Access to a marketplace of 75+ lenders and a full range of business financing programs — through ACG's partnership with South End Capital, a division of Stearns Bank, N.A.
IMPORTANT — Borrower Eligibility Notice
All financing programs available through the South End Capital marketplace require that the primary borrower or majority business owner (51% or greater) be a U.S. citizen or legal permanent resident. Non-U.S. citizens and foreign nationals are not eligible for any program in this marketplace regardless of business type, revenue, or creditworthiness. No exceptions apply.
Capital is what converts strategy into execution. Whether you're expanding operations, acquiring assets, managing cash flow, purchasing equipment, or financing commercial real estate, the right financing solution can mean the difference between moving forward and standing still.
ACG provides clients with direct access to the South End Capital financing marketplace — a tech-enabled platform operated by South End Capital, a division of Stearns Bank, N.A., a $3.6 billion federally regulated U.S. financial institution. The marketplace connects businesses with 75+ lenders across a comprehensive range of loan programs, and its matching technology identifies the lenders and programs most likely to fund your specific situation based on your needs, financials, and business profile.
ACG's role is to provide that access. All lending decisions, program eligibility determinations, rates, terms, and conditions are made by South End Capital and its network lenders — not by ACG.
What's Available
The marketplace covers business financing across seven core program categories. The table below summarizes the key terms and qualification requirements for South End Capital's own programs, which represent a portion of what's available through the full marketplace. Additional programs and lenders are available through the platform based on your specific situation and profile.
All rates, terms, and program details are subject to credit approval and qualification. Terms are subject to change without notice. Fees and closing costs may apply.
Program Comparison
Program Notes
A few details that don't fit cleanly into the table but are worth knowing before you apply.
FAST CAPITAL
No collateral required in most cases. Same-day funding available on approved applications. Borrowers can compare multiple offers before committing. One streamlined application covers all available options.
Business Credit Lines
No collateral required. Same-day funding available on approved applications. Lines can be drawn down repeatedly and paid off at any time without prepayment penalties. Borrowers pay only for funds actually used — establishing a line is free.
SBA 7(a) Working Capital
No Merchant Cash Advances allowed in the last 6 months. Maximum 4th position lien on business assets required. No hard collateral required. Documentation required: completed application, most recent business and personal tax returns, and last 6 months of business bank statements. Funding in as little as 2 weeks.
Preferred SBA 7(a) and ITL
Includes International Trade Loan financing for food supply chain and manufacturing businesses under the Grocery Guarantee and Made in America programs. SBA guaranty fees waived on loans up to $950,000 for manufacturers with NAICS codes 31-33. Franchise financing available. Full documentation required for best terms — tax returns, personal financial statement, and business financials. Startups considered with strong collateral, demonstrated experience, and 700+ credit. No prepayment penalty options available.
Business Term Loans
Not an SBA loan and not a Merchant Cash Advance. Fixed rate with no prepayment penalty. No hard collateral required. Light documentation required: recent bank statements, tax returns, and debt schedule if applicable. Funding in days or weeks, not months. Ideal for businesses consolidating high-cost debt or those not eligible for SBA financing.
Equipment Financing
New and used equipment from dealers, vendors, or private parties. 100% financing with 0% down available for buyers with 630+ credit. Application-only financing up to $350,000 — no tax returns required. Custom repayment and prepayment structures available. Nationwide across all 50 states and D.C.
Small Commercial Real Estate
Two tiers available:
No Doc (up to $500,000) — 1-page application and current property photos. Rates from WSJP + 2.00% with a 7.0% floor rate. Rate options include variable for 5 years, fixed for 5 years, or fixed for 2 years. 50% maximum LTV. 3%, 1% prepayment penalty.
Low Doc ($500,000 to $1,000,000) — same as above plus personal financial statement and bank statements. 20% of loan amount liquidity and 4x loan amount net worth required. Rates from WSJP + 2.50% with a 7.0% floor rate. Variable rate for 5 years. 50% maximum LTV. 3%, 1% prepayment penalty.
Both tiers: 5-year term with 25-year amortization. Auto-ACH for loan payments from a Stearns Bank deposit account required. Nationwide lending including rural properties. No population minimums.
Eligible property types: multifamily, 1-to-4 family rental, mixed-use, professional office, retail, warehouse, industrial, raw land, and houses of worship.
Not eligible: construction, renovations, primary residences, senior or assisted living, skilled nursing, hospitality, and cemeteries.
Borrower fees: 1% lender origination, $500 doc fee, real estate review fee of $975 for commercial or $515 for residential, $2,500 to $5,000 due diligence fee paid with signed term sheet. Borrower is responsible for third-party appraisal costs if required, legal fees, and lender and broker origination fees not to exceed 4% of the final loan amount. No tax liens, judgments, or past due taxes at closing. No bankruptcies in the last 7 years. ALTA survey and property tax escrow required.
How It Works
Getting started is straightforward.
Before exploring your options, please confirm that the primary business owner meets the U.S. citizenship or legal permanent residency requirement noted at the top of this page. Applications that do not meet this requirement cannot be approved regardless of other qualifications.
Click the button below to access the South End Capital marketplace through ACG's referral link. The platform's matching technology will guide you through a streamlined application process and connect you with the lenders and programs best suited to your situation. There is no commitment required to explore your options, and prequalification is available on most programs without impact to your credit.
ACG does not participate in lender selection, loan approval, or the terms offered. All decisions are made by South End Capital and its network of 75+ lenders.
A Note on This Marketplace
South End Capital is a division of Stearns Bank, N.A., a $3.6 billion federally regulated U.S. financial institution. Member FDIC. Equal Housing Lender. All financing is subject to credit approval and qualification. Terms, conditions, fees, and closing costs may apply. Rates are subject to change without notice. ACG is a referral partner and does not provide lending, credit, or financial advisory services in connection with this marketplace.
