Miami-based national finance lender offering business loans, commercial real estate financing, and hard money loans since 2005.
Data compiled from public sources · Rating from CreditDoc methodology
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 specialists 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 expertise 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.
Yes. Brickell Capital Finance is a registered company, headquartered in Miami, FL.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
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.
San Diego-based credit repair service that disputes negative items on credit reports and helps clients improve credit scores through credit bureau engagement and creditor negotiation.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders must 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 cheapest 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.
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.
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.
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.
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.
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.
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.
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.
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.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way 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.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
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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