Financial websites can't buy a break. Redbricks.com is under reconstruction and CapitalThinking is thinking again. Both hoped to eliminate mortgage brokers' fees by using the Web to link commercial real estate financiers with small-biz customers. But the borrowers never materialized: It turns out they're happy to pay a fee to guarantee their loan will close. So now the sites are trying to sell their technology to lenders. While the brokering sites regroup, thebizbank.com--an online bank which also planned to court small business--is seeking a buyer before even clearing all regulatory hurdles. The live loan agent may not be ready for the tar pit after all.