SBA 7(a) Startup Financing Available

SBA Loans for Startups

Start your business with preferred SBA 7(a) financing. Loans from $150,000 to $5 million with up to 25-year terms and startup-friendly requirements.

Prequalify in Minutes No impact to your credit score

Affiliate Disclosure: We may receive compensation from South End Capital for referrals. This does not affect your loan terms or cost.

$150K–$5M

Loan Amounts

680

Min. Credit Score

25 Years

Maximum Term

Prime + 2%

Starting Rates

SBA 7(a) Startup Financing Solutions

South End Capital brings decades of SBA lending expertise to help entrepreneurs launch and grow their businesses with government-backed financing.

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Business Startup Loans

Purchase or start a business with SBA 7(a) financing. Full documentation loans with competitive rates and longer repayment terms than conventional financing.

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Business Acquisition

Acquire an existing business with preferred SBA terms. Up to 25-year amortization with no prepayment penalty options available.

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Grocery Guarantee Program

Enhanced 90% SBA guarantee for food supply chain businesses including grocery wholesalers, supermarkets, grain farming, and cattle and poultry production.

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Made in America

Specialized financing for small manufacturers with enhanced 90% SBA guarantee to restore American manufacturing dominance.

SBA 7(a) Loan Terms & Requirements

South End Capital is an approved SBA lender with expertise in navigating the process quickly. Loans are cash-flow based and available nationwide.

Loan Amounts $150,000 – $5 Million
Credit Requirement 680 Minimum Score
Interest Rates From Prime + 2%
Loan Terms Up to 25 Years
Payment Structure Monthly Payments
Prepayment No Penalty Options
Industries Most Industries Considered
Geography Nationwide (All 50 States)

$5M Maximum Loan Amount

Startup financing available for qualified borrowers with industry experience and sufficient equity injection.

Why Choose South End Capital

Backed by the strength of Stearns Bank's $3.2 billion institution, combining innovative technology with personalized service.

Minutes to Prequalify

Get prequalified in minutes without impacting your credit score

Hour Approvals

Get approvals in hours, not weeks with streamlined underwriting

Year Terms

Up to 25-year loan terms for maximum cash flow flexibility

90%

SBA Guarantee

Enhanced guarantee programs for qualified industries

Enhanced SBA Guarantee Programs

Access preferred SBA 7(a) financing with enhanced 90% guarantees vs. the standard 75%

🌟 Specialized Industry Programs

These programs unlock additional flexibility and strengthen rural America while supporting lower costs for working families. Available for:

Grocery Wholesalers Supermarkets Grain Farming Cattle Production Poultry Production Aquaculture Small Manufacturers

Ready to Start Your Business?

Join thousands of entrepreneurs who have launched their businesses with SBA financing through South End Capital.

Prequalify Now – No Credit Impact