Fees & Pricing
Know what it costs before you apply
Brickell Wallstreet Capital charges a simple, published fee schedule — no surprise charges, no hidden markups. Here is every fee we collect, plus the typical third-party and lender costs on each financing program.
What you pay Brickell Wallstreet Capital
These are the only fees Brickell Wallstreet Capital collects directly.
Application & deal preparation fee — choose the amount you're requesting
Non-refundable. Covers application processing, deal preparation, preliminary underwriting, document review and financing evaluation. Not credited toward closing; third-party, appraisal, legal and closing fees may apply.
Under $250,000
$250
Designed for straightforward financing requests. The fee covers borrower intake and file setup, identification of financing purpose, initial document checklist, basic business/borrower review, financing-readiness assessment, missing-document identification, and preparation of a clean submission file for preliminary consideration.
Non-refundable · not credited toward closing
Pay $250 fee$250,000 – $999,999
$495
This is where BWC starts turning the client's information into a lender-ready presentation. It covers financial-document organization, business profile preparation, use-of-funds breakdown, borrower narrative, preliminary repayment-capacity review, collateral summary when applicable, financing request summary, and preparation of the package for underwriting consideration.
Non-refundable · not credited toward closing
Pay $495 fee$1M – $2.49M
$750
At this level, BWC is helping present an actual transaction rather than simply processing an application. The fee covers transaction structure review, historical financial review, debt schedule review, proposed sources and uses, borrower/guarantor package organization, collateral profile, transaction strengths and risk-factor identification, financing strategy, and preparation of a detailed deal summary for financing sources.
Non-refundable · not credited toward closing
Pay $750 fee$2.5M – $4.99M
$1,250
Designed for transactions that require a more sophisticated presentation. BWC prepares an executive transaction profile, reviews ownership and borrowing entities, organizes financial statements and supporting schedules, develops a capital requirement breakdown, prepares a collateral and valuation summary, reviews existing liens/debt information provided by the client, identifies major underwriting questions before submission, and creates an executive financing package.
Non-refundable · not credited toward closing
Pay $1,250 fee$5M – $9.99M
$1,500
At this level, the transaction becomes a capital-placement project. The fee covers creation of an institutional-style deal profile, transaction overview, capital-stack presentation, sources-and-uses schedule, financial-performance summary, collateral schedule, ownership/guarantor overview, financing strategy, virtual deal-file organization, and preparation for presentation to appropriate capital sources.
Non-refundable · not credited toward closing
Pay $1,500 fee$10M – $24.99M
$2,000
For larger transactions requiring multiple moving parts. BWC develops an institutional financing memorandum, transaction structure overview, borrower/sponsor profile, financial highlights, asset/collateral overview, capitalization analysis, proposed financing structure, major transaction milestones, supporting-document index, underwriting-question preparation, and organized materials for discussions with institutional financing sources.
Non-refundable · not credited toward closing
Pay $2,000 fee$25M and above
$2,500
This becomes BWC's highest-touch application and transaction-preparation service. It covers development of a comprehensive capital request presentation, executive transaction memorandum, sponsor/ownership profile, project or acquisition overview, capital-stack and sources-and-uses presentation, financial-performance analysis based on client-provided information, collateral/asset portfolio schedule, transaction timeline, data-room organization, financing strategy presentation, and coordination of the package for review by appropriate capital providers.
Non-refundable · not credited toward closing
Pay $2,500 fee| Financing Request | Application & Deal Preparation Fee | Service Level | What the Fee Covers |
|---|---|---|---|
| Under $250,000 | $250 | Essential Review | Designed for straightforward financing requests. The fee covers borrower intake and file setup, identification of financing purpose, initial document checklist, basic business/borrower review, financing-readiness assessment, missing-document identification, and preparation of a clean submission file for preliminary consideration. |
| $250,000 – $999,999 | $495 | Financing Ready | This is where BWC starts turning the client's information into a lender-ready presentation. It covers financial-document organization, business profile preparation, use-of-funds breakdown, borrower narrative, preliminary repayment-capacity review, collateral summary when applicable, financing request summary, and preparation of the package for underwriting consideration. |
| $1M – $2.49M | $750 | Deal Structuring | At this level, BWC is helping present an actual transaction rather than simply processing an application. The fee covers transaction structure review, historical financial review, debt schedule review, proposed sources and uses, borrower/guarantor package organization, collateral profile, transaction strengths and risk-factor identification, financing strategy, and preparation of a detailed deal summary for financing sources. |
| $2.5M – $4.99M | $1,250 | Executive Transaction | Designed for transactions that require a more sophisticated presentation. BWC prepares an executive transaction profile, reviews ownership and borrowing entities, organizes financial statements and supporting schedules, develops a capital requirement breakdown, prepares a collateral and valuation summary, reviews existing liens/debt information provided by the client, identifies major underwriting questions before submission, and creates an executive financing package. |
| $5M – $9.99M | $1,500 | Capital Markets | At this level, the transaction becomes a capital-placement project. The fee covers creation of an institutional-style deal profile, transaction overview, capital-stack presentation, sources-and-uses schedule, financial-performance summary, collateral schedule, ownership/guarantor overview, financing strategy, virtual deal-file organization, and preparation for presentation to appropriate capital sources. |
| $10M – $24.99M | $2,000 | Institutional | For larger transactions requiring multiple moving parts. BWC develops an institutional financing memorandum, transaction structure overview, borrower/sponsor profile, financial highlights, asset/collateral overview, capitalization analysis, proposed financing structure, major transaction milestones, supporting-document index, underwriting-question preparation, and organized materials for discussions with institutional financing sources. |
| $25M and above | $2,500 | Strategic Capital | This becomes BWC's highest-touch application and transaction-preparation service. It covers development of a comprehensive capital request presentation, executive transaction memorandum, sponsor/ownership profile, project or acquisition overview, capital-stack and sources-and-uses presentation, financial-performance analysis based on client-provided information, collateral/asset portfolio schedule, transaction timeline, data-room organization, financing strategy presentation, and coordination of the package for review by appropriate capital providers. |
Every service level above has its own fee and its own scope of work, so each fee matches the transaction it prepares. Non-refundable; not credited toward closing.
Proof of Funds fee
0.5%
Flat fee of the POF amount, due at issuance
- Half of one percent of the documented amount — nothing else.
- Available on tiers from $150,000 up to $50,000,000.
- Issued in 1 – 3 business days once documents are verified.
- One flat fee per issuance; no interest and no ongoing cost.
Lender & broker memberships
Free
No cost while enrollment is open
- Lender Partner and Broker & Referral memberships are currently free.
- Certification and partner review are performed by our admin staff at no charge.
- If paid pricing is introduced later, existing members are notified first.
Why one application & deal preparation fee schedule
We charge one application & deal preparation fee schedule across every program — commercial loans, residential loans, EMD financing, gap funding and every other capital solution on this platform — rather than a different fee for each product. The fee is set only by the financing amount you request, with $495 as the standard fee for most requests.
The fee pays for real work up front: application processing, preliminary underwriting, document review and a full financing evaluation of your request by our team.
The application fee is non-refundable and is not credited toward closing. Third-party costs (appraisal, title, legal, due diligence) and lender closing fees are separate and are always disclosed in writing before they are collected.
Our economics come from the financing itself — origination and success fees paid at closing when your deal funds — not from large upfront charges. A $5 million loan typically carries a $1,000 – $2,500 application / underwriting charge plus a 1 – 2% success / origination fee at closing, rather than tens of thousands before approval.
Fee calculator
Price out your own deal. Choose the amount, the financing category and the stage, and see the fees that apply through that point in the process.
Estimate your total cost
Enter your loan amount, pick a financing category, and choose how far along the file is. We total every fee incurred through that stage.
| Fee | Estimate |
|---|---|
| Application & deal preparation feeOne-time, due when you submit your application | $495 |
| Credit & financial analysisCharged after initial application on files that move to analysis | $500 |
| Underwriting fee$1,000 – $5,000, or 0.25% – 0.75% on larger transactions | $2,500 – $5,000 |
| Due diligenceBilled when third-party diligence begins | $1,000 |
| Appraisal / valuationThird-party cost, passed through as incurred | $650 – $1,500 |
| Legal, title, escrow & recordingActual third-party cost at closing | $2,000 – $5,000 |
| Origination (points)0.5 – 1.5 points, collected at closing / funding | $5,000 – $15,000 |
Estimated total through this stage
$12,145 – $28,495
On a $1,000,000 request · 2.85% of the loan at the high end
Rates and fees shown are our current published schedule for each loan type. Your exact rate, points and fees are confirmed in your lender quote or term sheet, based on credit, collateral and leverage.
Fee schedule, stage by stage
Every charge is tied to a specific service — file intake, analysis, underwriting, closing or servicing — and each fee is disclosed in writing before it is collected. For larger commercial loans the economics are percentage-based rather than a large upfront charge: a $5 million loan typically carries a $1,000 – $2,500 application / underwriting charge and a separate 1 – 2% success / origination fee at closing, rather than tens of thousands before approval.
| Fee | Suggested charge | When charged |
|---|---|---|
| Application & deal preparation fee | $250 – $2,500, by amount requested | At application |
| Credit / financial analysis fee | $500 – $1,500 | After initial application |
| Underwriting fee | $1,000 – $5,000 or 0.25 – 0.75% | Upon underwriting |
| Loan origination fee | 1 – 3% of funded amount | At closing / funding |
| Due diligence fee | $1,000 – $5,000+ | When due diligence begins |
| Appraisal / valuation | Pass-through + admin fee | As incurred |
| Legal / documentation fee | Actual cost + $500 – $2,500 | Closing |
| Commitment fee | 0.25 – 1% of committed facility | Upon commitment / closing |
| Wire / closing fee | $100 – $500 | Closing / funding |
| Annual servicing / admin fee | 0.25 – 1% annually | Annually |
| Renewal / extension fee | 0.25 – 1% | Upon renewal / extension |
| Late / default fee | Contractually specified | If applicable |
SBA note: on SBA transactions, lender and agent fees are governed by SBA program rules, so this schedule is not simply applied to SBA loans — SBA fees are disclosed separately under the program's guidelines.
Our pricing model
Two straightforward schedules, one for business and commercial financing and one for commodity and trade finance. Third-party costs always pass through at cost.
Business & Commercial Financing
- Application / processing$495
- Underwriting / due diligence$1,500 – $5,000, depending on complexity
- Origination1 – 2.5% of funded amount
- Third-party expensesAt cost
- Annual servicing0.50%, if applicable
Commodity / Trade Finance
- Transaction application$1,000
- Due diligence$2,500+
- Structuring0.50 – 1.00%
- Financing / origination1 – 3%
- Third-party inspection, appraisal, warehouse, legal and similar costsAt cost
- Servicing / monitoring0.25 – 1% annually, depending on the facility
Commodity & trade finance schedule
For physical commodities, inventory, purchase orders, trade transactions and commodity-backed facilities.
| Fee | Charge |
|---|---|
| Transaction / application fee | $500 – $2,500 |
| Due-diligence / KYC fee | $1,000 – $5,000 |
| Commodity / inventory inspection | Pass-through cost |
| Collateral valuation | Pass-through cost |
| Transaction structuring fee | 0.25 – 1% |
| Financing / origination fee | 1 – 3% |
| Commitment fee | 0.25 – 1% |
| Warehouse / collateral monitoring | Actual cost + reasonable admin fee |
| Wire / documentation fee | $100 – $500 |
| Servicing / monitoring | 0.25 – 1% annually, where appropriate |
What never costs anything
- Browsing programs, using the loan calculator, or getting matched to a category.
- Creating a borrower, lender, or broker account.
- Receiving a term sheet or quote from a matched lender.
- Asking our team questions before you submit.
Fee waivers
Promotion codes such as BWCFEEWAIVED can waive the application fee in full. Enter the code during checkout and the page confirms immediately whether it was accepted — and why, if it was not.
Internal waiver codes issued by our admin staff work in live mode, not only in test mode. Each code can carry redemption limits and an expiration date.
A waiver covers only the application fee. It does not cover:
- Third-party costs such as appraisals, title, escrow and legal fees.
- Lender points, origination fees or interest charged by the funding lender.
- More than one application — codes are limited per client.
Typical third-party & closing costs
These costs are set by lenders, title companies, appraisers and government agencies — not by Brickell Wallstreet Capital. They are passed through at cost and disclosed on your term sheet before closing.
| Cost | Typical range | Paid to |
|---|---|---|
| Underwriting / processing | $1,500 – $5,000 | Lender |
| Appraisal | $650 – $5,000 by asset type | Third party |
| Lender legal & closing | $1,500 – $15,000 | Lender / attorney |
| Title, escrow & recording | Third-party, at cost | Title company |
| SBA guaranty fee | 0% – 3.5% of the guaranteed portion by loan size | SBA |
| Packaging / CDC servicing | CDC and central servicing fees apply on 504 | CDC |
| Draw / inspection fees | $250 – $750 per draw | Lender |
| Site inspection | $150 – $500 | Third party |
| UCC / filing fees | $100 – $500 | State |
| Exit fee | 0% – 1% of the loan at payoff (bridge & hard money) | Lender |
| Business valuation | $2,500 – $5,000 (business acquisition) | Third party |
Indicative cost by program
Market-typical rate, points and term ranges for the programs we arrange. Final pricing is set by the funding lender in your executed term sheet.
| Program | Rate | Points / fee | Term | Other fees |
|---|---|---|---|---|
| SBA 7(a) | 10% – 12.50% | 0 – 1 pts | 7 yr – 25 yr | SBA guaranty fee: 0% – 3.5% of the guaranteed portion by loan size · Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Title, escrow & recording: Third-party, at cost · Lender legal & closing: $1,500 – $15,000 |
| SBA 504 | 6.30% – 7.50% | 0 – 1.5 pts | 10 yr – 25 yr | Packaging / CDC servicing: CDC and central servicing fees apply on 504 · Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Title, escrow & recording: Third-party, at cost · Lender legal & closing: $1,500 – $15,000 |
| Commercial real estate | 6.50% – 8.50% | 0.5 – 1.5 pts | 5 yr – 10 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost |
| Multifamily | 5.90% – 7.50% | 0.5 – 1.25 pts | 5 yr – 30 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost |
| DSCR rental | 6.90% – 8.90% | 1 – 2 pts | 30 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Title, escrow & recording: Third-party, at cost · Lender legal & closing: $1,500 – $15,000 |
| Bridge | 8% – 11% | 1 – 2 pts | 1 yr – 3 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost · Exit fee: 0% – 1% of the loan at payoff |
| Hard money | 9.90% – 13.50% | 1.5 – 3.5 pts | 6 mo – 2 yr | Underwriting / processing: $1,500 – $5,000 · Site inspection: $150 – $500 · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost · Exit fee: 0% – 1% of the loan at payoff |
| Fix & flip | 9.50% – 12.50% | 1.5 – 3 pts | 9 mo – 2 yr | Underwriting / processing: $1,500 – $5,000 · Draw / inspection fees: $250 – $750 per draw · Title, escrow & recording: Third-party, at cost · Lender legal & closing: $1,500 – $15,000 |
| Construction | 8.50% – 12% | 1 – 2.5 pts | 1 yr – 3 yr | Underwriting / processing: $1,500 – $5,000 · Draw / inspection fees: $250 – $750 per draw · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost |
| Ground-up construction | 9% – 13% | 1.5 – 3 pts | 1 yr – 3 yr | Underwriting / processing: $1,500 – $5,000 · Draw / inspection fees: $250 – $750 per draw · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost · Exit fee: 0% – 1% of the loan at payoff |
| Hospitality | 8% – 11.50% | 1 – 2.5 pts | 2 yr – 10 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Lender legal & closing: $1,500 – $15,000 · Title, escrow & recording: Third-party, at cost · PIP / FF&E reserve: 2% – 5% of gross revenue annually |
| Business acquisition | 9.50% – 12.50% | 0 – 2 pts | 7 yr – 10 yr | SBA guaranty fee: 0% – 3.5% of the guaranteed portion by loan size · Underwriting / processing: $1,500 – $5,000 · Business valuation: $2,500 – $5,000 · Lender legal & closing: $1,500 – $15,000 |
| Working capital | 11% – 24% | 0 – 3 pts | 6 mo – 5 yr | Underwriting / processing: $1,500 – $5,000 · UCC / filing fees: $100 – $500 |
| Line of credit | 9.50% – 18% | 0 – 1.5 pts | 1 yr – 3 yr | Unused line fee: 0.25% – 0.50% annually · Underwriting / processing: $1,500 – $5,000 · UCC / filing fees: $100 – $500 |
| Equipment financing | 7.50% – 16% | 0 – 2 pts | 2 yr – 7 yr | Documentation fee: $250 – $1,500 · UCC / filing fees: $100 – $500 |
| Refinance | 6.50% – 10.50% | 0.5 – 2 pts | 3 yr – 30 yr | Underwriting / processing: $1,500 – $5,000 · Appraisal: $650 – $5,000 by asset type · Title, escrow & recording: Third-party, at cost · Lender legal & closing: $1,500 – $15,000 |
| Earnest money (EMD) | Flat fee | 2.5 – 6 pts | 1 mo – 3 mo | Deposit fee: 2.5% – 6% of the earnest money advanced · Lender legal & closing: $1,500 – $15,000 |
| Proof of Funds | Flat fee | 0.5% flat fee | 1 mo – 3 mo | Proof of funds fee: 0.5% (half of one percent) of the POF amount, due at issuance |
| Art financing | 7.50% – 14% | 1 – 2.5 pts | 1 yr – 5 yr | Underwriting / processing: $1,500 – $5,000 · Independent art appraisal: Pass-through, by accredited appraiser · Storage & insurance verification: Borrower maintains all-risk insurance · UCC / filing fees: $100 – $500 · Lender legal & closing: $1,500 – $15,000 |
| Gap funding | 12% – 18% | 2 – 5 pts | 6 mo – 2 yr | Underwriting / processing: $1,500 – $5,000 · Lender legal & closing: $1,500 – $15,000 · Exit fee: 0% – 1% of the loan at payoff |
Rates and fees shown are our current published schedule for each loan type. Your exact rate, points and fees are confirmed in your lender quote or term sheet, based on credit, collateral and leverage.
Ready when you are
Submit your application, see your match, and review every cost in writing before you commit. Questions about a fee? We answer them straight.