Below you will find various educational and instructive videos, helpful articles and guides to assist you with our relationship and services offered.

Small Balance Commercial Loans

Posted by on Mar 17, 2013 in News | Comments Off

Program:                  Small Balance Commercial Loan

Rate:                           Beat or match any bona fide rate or we’ll pay customer $200*

Loan Amounts:     $200,000 to $500,000 for small balance commercial loans

Availability:           All 50 states

Property Types:   Multifamily (5+ units), office building, mixed-use, warehouse, retail, business condo, auto repair, auto service, convenience store, assisted living. gas station (less than 10 years old), self storage, health club/gym, daycare, preschool, nursery, theater, restaurant, ice rink, veterinary hospital

Credit Score:          680 FICO

Loan to Value:       75% (based on property type) with 5% seller carry allowed, 80% combined loan to value

Loan Use:                 Commercial property purchase or refinance

Property Use:         Owner occupied or investment commercial property

Loan Terms:           3 year fixed rate commercial loan with 30 year amortization;

5 year fixed rate commercial loan with 30 year amortization

10 year fixed rate commercial loan with 25 year amortization

Prepay Penalty:     3 year fixed-   3% year 1, 3% year 2, 2% year 3, 0% thereafter

5 year fixed-  3% year  1, 3% year 2, 2% year 3, 2% year 4, 1% year 5, 0% thereafter

10 year fixed- 3% year 1 and 2, 2% year 3 and 4, 1% year 5 through 10, 0% thereafter

This small balance commercial loan is a portfolio loan program.  A portfolio small balance commercial loan means that the lender holds and services the loan and does not sell it into the secondary market. The loan approval process is efficient so that terms are given to borrowers quickly for their commercial loan request.

If you have any questions, please call Christopher McIntosh at (800) 454-7398 or e-mail him at  There is no cost to get terms!

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

* To qualify for guaranteed lowest rate for a small balance commercial loan the competing offer must be on lender’s letterhead


Franchisee Restaurant Financing

Posted by on Feb 15, 2013 in News | Comments Off

Franchisee Restaurant Financing Fact Sheet:

Loan Purpose:  

  • Store acquisition, commercial real estate purchase, refinance and construction, including working capital

and other business assets.

Loan Amounts:

  •  SBA 7(a)   $250,000 to $5,000,000.
  • SBA 504    Up to $15,000,000.
  • Non-SBA   Unlimited, generally at least 5 locations.

Time to Close:

  • Closing withing 40 to 60 days of signed commitment letter.

Interest Rates:

  • Competitive rates.


  • 10 to 20 years based on the loan purpose.  No balloons or calls- fully amortizing over the life of the loan.

Debt Service:

  • Projected debt service coverage of 1.25 to 1.35 times.

Franchisee Restaurant Financing


Citadel works with both new and experienced operators.  Since we offer franchisee restaurant financing from numerous funding sources and from numerous programs, Citadel delivers great rates and terms for its clients.  Call Christopher McIntosh (800) 454-7398 today to discuss your funding needs.  There is no cost or obligation to get franchisee restaurant financing terms from Citadel.

Medical Professional Loan

Posted by on Feb 14, 2013 in News | Comments Off

Medical Professional Loan



Industries Medical doctors, dentists, pharmacies, veterinarians
Loan Purpose ● Real estate purchase, refinance, construction or remodel● Practice buy-in, buy-out● Start-ups● Equipment, working capital
Loan Amount ● SBA 7(a):  $200,000 to $5,000,000● SBA 504:  Up to $15,000,000● Non-SBA:  Unlimited
Loan to Value Up to 130%
Term Up to 25 years depending on loan purpose with no balloons orcalls.  Fully amortizing over the life of the loan.
Debt Service Ratio Projected debt service ratio of 1.25 times
Prepayment penalty Prepayment penalty may apply
Time to Close 45 to 60 days


Have a question about medical professional loans or financing healthcare accounts receivables?

Give us a call at (800) 454-7398!

Medical Professional Loan

Is a stated income commercial loan right for you?

Posted by on Feb 13, 2013 in News | Comments Off

Stated income commercial loans are great for buying or refinancing commercial real estate?  Borrowers often do not qualify for a traditional commercial loan.  Sometimes borrowers are denied financing due to insufficient income, credit scores, personal debt etc.  Bank underwriters require so many documents and use strict guidelines to approve a commercial loan.  If you have been turned down by a bank or other lender, you may still qualify for Citadel’s stated income commercial loan. (more…)

Restaurant Financing

Posted by on Jan 25, 2013 in video | 0 comments