Get Financing
SBA 7(a) & 504 Loans
Government-guaranteed capital for owner-operators
Brickell Wallstreet Capital arranges SBA 7(a) and SBA 504 financing through participating lenders and Certified Development Companies. SBA currently lists 7(a) loans up to $5 million and 504 financing up to $5.5 million, and eligible 7(a) and 504 financing may be combined up to $10 million cumulatively under the policy effective July 4, 2026.
- Loan size
- $150K – $10M combined
- Equity injection
- From 10%
- Amortization
- Up to 25 years on real estate
- Prepayment
- Declining or none by program
Best used for
- Owner-occupied commercial real estate purchase or construction
- Business acquisition, partner buyout, or franchise financing
- Working capital, equipment, and qualifying debt refinance
- Expansion where conventional leverage falls short
What we will need
- Three years business and personal tax returns
- Year-to-date profit & loss and balance sheet
- Business debt schedule and bank statements
- Personal financial statement for every 20%+ owner
- Entity documents, licenses, and owner resumes
Programs in SBA Loans
SBA 7(a) Loan
Working capital, real estate, equipment, qualifying debt refinance, and ownership changes — arranged through participating SBA lenders. Currently listed up to $5 million.
- Rate
- 10% – 12.50%
- Origination
- 0 – 1 pts
- Term
- 7 yr – 25 yr
- Turnaround
- 30 – 60 days
Start this application →
SBA 504 Loan
Owner-occupied real estate and heavy equipment through a Certified Development Company and lending partner. Currently listed up to $5.5 million.
- Rate
- 6.30% – 7.50%
- Origination
- 0 – 1.5 pts
- Term
- 10 yr – 25 yr
- Turnaround
- 45 – 75 days
Start this application →
How the process works
- Step 1
Pre-qualification
We size the request, confirm eligibility, and identify the right SBA program.
- Step 2
Full application
Business, ownership, financial, and government-financing detail in the borrower portal.
- Step 3
Lender matching
Your file is scored against our certified SBA lender panel.
- Step 4
Term sheet & underwriting
Signed term sheet, appraisal and due diligence, then closing.
Frequently asked
Is Brickell Wallstreet Capital the SBA?
No. We arrange and facilitate financing. SBA 7(a) borrowers work with participating lenders and 504 loans are made through Certified Development Companies working with lending partners.
How long does an SBA loan take?
Most files close in 45–75 days depending on real estate, appraisal, and environmental requirements.
How much do I have to put down?
Equity injection generally starts around 10% and depends on the use of proceeds, collateral, and management experience.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 10% – 12.5% · Prime + 2.25% to 4.75%, variable
Estimated monthly payment
$4,991
- Total interest
- $997,359
- Total of payments
- $1,497,359
- Principal
- $500,000
- Est. origination points
- $2,500
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.