Brickell Capital Finance logo

Brickell Capital Finance in Miami, FL

4.8/5
Google rating from 24 reviews

Miami-based national finance lender offering business loans, commercial real estate financing, and hard money loans since 2005.

Data compiled from public sources · Google rating shown when a stored review count is available

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Brickell Capital Finance Review

Brickell Capital Finance was founded in 2005 and operates as a Miami-based national finance lender specializing in business and commercial real estate financing. The company has been in operation for over 15 years and positions itself as a premier lender in the Miami market. Their business model centers on providing custom-tailored financing solutions to meet the specific needs of business clients at various growth stages.

The company offers business loans, business lines of credit, commercial real estate financing, construction loans, real estate development loans, and hard money loans available nationwide. They market themselves as staff context in securing funding for business expansion and ongoing operations, with stated emphasis on competitive terms and rates. Their service approach centers on providing solutions, advice, and strategies tailored to individual client circumstances rather than one-size-fits-all products.

Brickell Capital Finance differentiates itself through localized Miami experience context combined with national lending reach. The company emphasizes service quality and performance track record, positioning themselves among premiere financial lenders in the Miami region. They specifically market competitive terms for commercial real estate and construction-related financing, suggesting specialization in these verticals.

A significant caveat exists regarding website credibility: the company's website contains substantial spam content about herpes medication (valtrex) appearing below the legitimate business information. This suggests either poor website security, compromised hosting, or inadequate content management, raising questions about operational competency and data security practices. Prospective borrowers should verify company legitimacy through independent business registration checks before engaging, and the presence of this spam content warrants caution.

Services & Features

Business lines of credit
Business loans for expansion and operations
Commercial real estate financing
Construction loans
Custom-tailored financing solutions
Financial advisory and strategy services
Hard money loans
Real estate development loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • 15+ years operating history since 2005 provides some operational track record
  • Offers nationwide hard money lending, not limited to Florida geography
  • Specializes in construction and real estate development loans, a listed niche
  • Advertises custom-tailored solutions designed for individual client needs rather than standardized products
  • Combines Miami local experience context with national lending capabilities
  • Offers multiple product types including loans, lines of credit, and commercial real estate financing

Cons

  • Website contains substantial spam/malware content about pharmaceutical products, indicating poor security or maintenance
  • No specific information about interest rates, terms, minimum loan amounts, or eligibility criteria provided
  • No verifiable customer reviews, ratings, or third-party accreditation visible on website
  • Website security issues raise concerns about data protection for borrower information
  • No details on approval timelines, funding speed, or application process

State Consumer Finance Context

This is state-level context for Business Loans consumers in Miami, FL. It does not confirm that Brickell Capital Finance or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Consumer protection

Florida Attorney General Consumer Protection Division

Personal loan rules in Florida

Status: Permitted

Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above

Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.

Installment loan rules in Florida

Status: Permitted

Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms

Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Brickell Capital Finance offer?

Brickell Capital Finance offers 8 services including Business loans for expansion and operations, Business lines of credit, Commercial real estate financing, Construction loans, Real estate development loans, and 3 more.

What profile signals are listed for Brickell Capital Finance?

Brickell Capital Finance has profile signals associated with Small to mid-sized business owners seeking expansion capital or operating funds, Commercial real estate investors and developers seeking construction or development financing, Businesses unable to qualify for traditional bank financing and seeking hard money alternatives.

What are the strengths and weaknesses of Brickell Capital Finance?

Key strengths: 15+ years operating history since 2005 provides some operational track record; Offers nationwide hard money lending, not limited to Florida geography; Specializes in construction and real estate development loans, a listed niche. Areas to consider: Website contains substantial spam/malware content about pharmaceutical products, indicating poor security or maintenance; No specific information about interest rates, terms, minimum loan amounts, or eligibility criteria provided.

How does Brickell Capital Finance compare to similar companies?

In the Business Loans category, comparable providers include FixYourCredit.io – Second Chance Credit Restoration - Affordable DIY Credit Repair For $39.99, Capdeck Business Loans, Lakehills Commercial Lending. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Miami, FL
BBB Accredited
No
Visit Brickell Capital Finance

CreditDoc Profile Note

Research Note on Brickell Capital Finance

Brickell Capital Finance is positioned for business owners and real estate investors seeking alternative business financing, particularly those in construction or development. However, the significant website security issues and spam content are red flags—verify the company's legitimacy through independent business registration checks and industry references before submitting financial information or entering loan discussions.

Profile Signals

  • Small to mid-sized business owners seeking expansion capital or operating funds
  • Commercial real estate investors and developers seeking construction or development financing
  • Businesses unable to qualify for traditional bank financing and seeking hard money alternatives
Updated 2026-05-08

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Quick Summary

  • Brickell Capital Finance is listed as a Business Loans provider in Miami, FL on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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Financial Terms Explained (7 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.

Why it matters

Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.

Example

You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.

Interest Rate

The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.

Why it matters

Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.

Example

On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.

How Loans Work

Cosigner — Loan Cosigner

A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.

Why it matters

Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.

Example

A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.

Loan Term (Tenor) — Loan Term / Tenor

How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.

Why it matters

Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.

Example

Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.

Origination Fee — Loan Origination Fee

A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.

Why it matters

Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.

Example

You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.

Principal — Loan Principal

The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.

Why it matters

Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.

Example

You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.

Underwriting — Loan Underwriting

The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.

Why it matters

Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.

Example

You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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