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Types of Loans

SBA loan categories, eligibility and how to apply

Brickell Wallstreet Capital arranges SBA financing through participating lenders and Certified Development Companies, alongside conventional and private credit. Below is each SBA program, who qualifies, what the money can be used for, and the exact steps from application to funding.

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SBA loan programs

SBA 7(a) Standard

Up to $5,000,000

The SBA's flagship program. A participating lender makes the loan and the SBA guarantees a portion of it, which lets lenders approve longer terms and lower injections than conventional credit.

Indicative rate
10% – 12.50%
Term
7 yr – 25 yr
Typical turnaround
30 – 60 days

Eligible uses

  • Owner-occupied commercial real estate purchase (51%+ occupancy)
  • Business acquisition, partner buyout or franchise purchase
  • Working capital, inventory and payroll
  • Equipment, leasehold improvements and furniture/fixtures
  • Refinance of qualifying business debt on improved terms

Eligibility criteria

  • For-profit business operating in the United States
  • Meets SBA size standards as a small business for its NAICS code
  • Owners of 20%+ provide personal guaranties
  • Demonstrated repayment ability from business cash flow (DSCR typically 1.15x+)
  • No delinquency or prior loss on federal debt; credit elsewhere not available on reasonable terms
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SBA 504 / CDC

Up to $5,500,000 on the CDC debenture

Long-term fixed-rate financing for owner-occupied real estate and heavy equipment, structured as a bank first mortgage (~50%), a CDC/SBA second (~40%) and borrower equity (~10%).

Indicative rate
6.30% – 7.50%
Term
10 yr – 25 yr
Typical turnaround
45 – 75 days

Eligible uses

  • Purchase or construction of owner-occupied buildings
  • Land acquisition and site improvements
  • Long-life machinery and equipment (10+ year useful life)
  • Refinance of qualifying 504-eligible fixed-asset debt

Eligibility criteria

  • Tangible net worth under $20 million and average net income under $6.5 million (last two years)
  • Owner occupancy of at least 51% for existing buildings, 60% for new construction
  • Job creation/retention or a public policy goal is met
  • Project assets serve as primary collateral; principals guarantee
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SBA Express

Up to $500,000

A streamlined 7(a) variant with a 50% SBA guaranty and accelerated lender decisioning — commonly used for revolving lines of credit and smaller term needs.

Indicative rate
9.50% – 18%
Term
1 yr – 3 yr
Typical turnaround
3 – 14 days

Eligible uses

  • Revolving working capital lines
  • Short-term equipment or expansion needs
  • Seasonal inventory build

Eligibility criteria

  • Same core 7(a) eligibility (for-profit, US-based, size standard)
  • Stronger credit profiles: typically 680+ FICO and two years operating history
  • Positive cash flow adequate to service the requested exposure
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SBA CAPLines (Working Capital)

Up to $5,000,000

A family of 7(a) lines built around cyclical needs: Seasonal, Contract, Builders and Working Capital CAPLines, secured by receivables, inventory or the underlying contract.

Indicative rate
11% – 24%
Term
6 mo – 5 yr
Typical turnaround
1 – 7 days

Eligible uses

  • Seasonal working capital swings
  • Financing direct costs of an assignable contract
  • Construction of a building for resale (Builders CAPLine)
  • Receivable and inventory-backed revolving credit

Eligibility criteria

  • Borrowing base of eligible receivables and/or inventory
  • Documented cyclical or contract-driven need
  • Reporting covenants: aging reports and borrowing base certificates
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SBA Microloan

Up to $50,000

Made through nonprofit intermediary lenders for startups and very small businesses, usually paired with technical assistance.

Indicative rate
11% – 24%
Term
6 mo – 5 yr
Typical turnaround
1 – 7 days

Eligible uses

  • Working capital
  • Inventory and supplies
  • Furniture, fixtures and equipment

Eligibility criteria

  • Startups and early-stage businesses are eligible
  • Intermediary-set credit criteria; collateral and a personal guaranty are typical
  • Cannot be used to pay existing debts or purchase real estate
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SBA Disaster Loans

Up to $2,000,000 (EIDL)

Direct loans from the SBA to businesses and property owners in a declared disaster area — physical damage loans and Economic Injury Disaster Loans (EIDL).

Indicative rate
11% – 24%
Term
6 mo – 5 yr
Typical turnaround
1 – 7 days

Eligible uses

  • Repair or replacement of damaged real estate, equipment and inventory
  • Ordinary operating expenses when a disaster impairs revenue

Eligibility criteria

  • Located in a declared disaster area
  • Credit history acceptable to the SBA and shown repayment ability
  • Collateral required for loans over $25,000 where available
Start this application

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. Brickell Wallstreet Capital is not the SBA; 7(a) loans are made by participating lenders and 504 loans through Certified Development Companies.

Estimate your payment

See monthly payments and total interest for any SBA or conventional 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
Get a real quote

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.

Full financing catalog — 130 programs

Choose a category, then the specific product you want to request. Brickell Wallstreet Capital arranges financing through participating lenders, Certified Development Companies and private capital sources; we do not make every loan listed here.

7(a), 504 and Microloan programs arranged through participating lenders and Certified Development Companies.

SBA 7(a) Loan

Business acquisition, working capital, equipment, real estate, refinancing

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SBA 7(a) Small Loan

Smaller business financing

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SBA Express Loan

Faster SBA financing

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SBA Working Capital Pilot

Revolving working-capital lines

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SBA CAPLines

Short-term and cyclical working capital

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SBA Export Express

Export-related financing

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SBA Export Working Capital Loan

Financing export orders and receivables

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SBA International Trade Loan

Expansion of businesses competing internationally

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SBA 504 Loan

Owner-occupied real estate and major equipment

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SBA Microloan

Smaller startup and expansion needs

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Application steps

  1. 1. Pre-qualification

    Complete the universal application with your loan amount, use of funds, and basic business profile. No credit pull at this stage.

  2. 2. Document collection

    Three years of business and personal returns, YTD financials, debt schedule, personal financial statement, and entity documents load into your secure document vault.

  3. 3. Credit review and structure

    A loan officer reviews cash flow, global DSCR, collateral and eligibility, then structures the request as 7(a), 504, a CAPLine, or a conventional alternative.

  4. 4. Lender matching

    Your file is scored against our certified SBA lenders and CDCs on program, geography, industry, loan size and credit box, and sent to the best fits.

  5. 5. Term sheet and e-signature

    You receive indicative terms, sign electronically under E-SIGN/UETA, and the file moves into full underwriting.

  6. 6. Underwriting and SBA authorization

    Appraisal, environmental (as applicable), business valuation on acquisitions, and lender credit approval followed by SBA authorization.

  7. 7. Closing and funding

    Title, escrow, insurance and closing conditions are cleared with your closing agent, documents are executed, and the loan funds.

Non-SBA financing we also arrange

Hard money and fix & flipCommercial real estate and mixed-useBridge and gap fundingDSCR rental and portfolio loansConstruction and ground-up developmentMultifamily and hospitalityBusiness acquisition and equipment financeEMD / earnest money financing

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.

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