Citadel Commercial Lending offers solutions for every type of commercial real estate transaction. Our experience allows us to provide our clients with a seamless process.

Small Balance Commercial Loan

Nationwide
$200,000-$500,000
680
75%
Term:
Amortization:
Seller Carry:
Time to Close:
3,5 or 10 Years
Up to 30 years
Yes
30 to 60 days
Eligible properties: Apartment/Multifamily, mixed-use, warehouse, retail, office building,office condo, light industrial, auto repair, auto sales, convenience store, gas station,assisted living, convalescent home, health club/gym, daycare, preschool, nursery, selfstorage,restaurant, theatre, ice skating rink

 

Stated Income Commercial Loan

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$100,000-$1.5M
650
75%
Term:
Amortization:
Tax Returns/W2s:
Time to Close:
3 or 5 Years
30 years
No
30 to 60 days
Eligible properties: Apartment/Multifamily, mixed-use, office, retail, warehouse, mobile home parks, automotive services, self-storage

 

Owner Occupied Agency Loan I

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$250,000-$5M
640
90%
Term:
Amortization:
Seller Carry:
Time to Close:
25 Years
25 years
Yes
40 to 60 days
Eligible properties: Owner occupied (51%) real estate, restaurant, gas station, theatre, hotel, motel, equipment purchase, working capital, partner buy-out, business acquisition/franchise, refinance

 

Owner Occupied Agency Loan II

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$250,000-$10M
650
90%
Term:Authorization:Time to Close: 1st Mtg- 25 years
2nd Mtg- 20 years
1st Mtg- 25 years
2nd Mtg- 20 years
45 to 60 days
Eligible properties: Owner occupied (51%) real estate, restaurant, gas station, theatre, hotel, motel office, warehouse, day care, assisted living, equipment

 

Multi-Unit Agency Loan I

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Assumable:
Nationwide
$750,000-$5M
680
80%
Yes
Term:
Amortization:
Non-recourse
Time to Close:
5-30 Years
5-30 years
Available
60-75 days
Eligible properties: Apartment/Multifamily, mixed-use, assisted living, student housing, mobile home park

 

Multi-Unit Agency Loan II

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Assumable:
Nationwide
$5M-$25M
680
80%
Yes
Term:
Amortization:
Non-recourse
Time to Close:
5-30 Years
5-30 years
Available
60-75 days
Eligible properties: Apartment/Multifamily, mixed-use, assisted living, student housing, mobile home park

 

Bridge, Hard Money and Project Completion Loan

Multi-Unit Agency Loan II

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$1M and up
600
65%, second allowed
Terms:
Amortization:
Combined LTV:
Time to Close:
1-3 Years
Interest Only
Up to 85%
3-4 weeks
Elligible properties and uses: Apartment/Multifamily, mixed use, warehouse, office, light industrial, retail, student housing, hotel, motel, finish construction

 

Commercial Bank and Gas Station Loan

Commercial Bank Loan

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$5M-$15M
700
70%
Term:
Amortization:
Non-recourse:
Time to Close:
5, 7 or 10 years
20, 25 or 30 years
Available
75-90 days
Elligible properties and uses: Apartment/Multifamily, hospitality, NNN, flex, mixed-use, warehouse, office, retail

 

Gas Station Loan

Availability:
Loan Amount:
Credit Score:
Loan to Value:
Nationwide
$100,000-$10M
650
75%, second allowed
Term:
Amortization:
Seller Carry:
Time to Close:
25 years
25 years
Yes
30-60 days
Elligible properties and uses: Gas station purchase, construction, refinance, cash out, ground lease allowed, good will allowed, equipment

 

Church Loan

Church Loan

Availability:
Loan Amount:
Loan to Value:
DSCR:
Nationwide
$250,000 and up
75%
35% or less
Term:
Amortization:
Non-recourse:
Time to Close:
5, 7, or 10
20 or 25 years
Available
30-60 days
Elligible properties and uses: Church and associated church structures

 

HUD

HUD Section 223 (f)

Availability:
Loan Amount:
Loan to Value:
Assumable:
Nationwide
$1M-$100M+
Up to 85%
Yes
Term:
Amortization:
Non-recourse:
Time to Close:
Up to 35 years
Up to 35 years
Available
60-90 days
Elligible properties and uses: Purchase or refinance loan for apartment/multifamily, affordable or age-restricted properties

 

HUD Section 221 (d)(4)

Availability:
Loan Amount:
Loan to Cost:
Assumable:
Nationwide
$5M-$100M+
83%-90%
Yes
Term:
Amortization:
Non-recourse:
Time to Close:
Up to 40 years
Up to 40 years
Available
6 months +
Elligible properties and uses: New construction or substantial rehabiltation financing of apartment/multifamily housing