Citadel Business Solutions

We’re more than a commercial lender, we’re your partner.

Helping Your Business Succeed

With any business, it’s important to receive local support and advice through each step of the financing journey. You can count on Citadel’s suite of business solutions to help maximize cash flow, expertly navigate changing market conditions, and provide true financial stability. Contact a Commercial Loan Officer to learn more today!

Business Accounts | Business Loans

Business Checking and Savings

business checking

Business Checking Account

A Citadel Business Checking Account offers you the essentials:

✔ Fast and easy online and mobile banking
Account activity alerts
Mobile deposit for greater speed and convenience
✔ No account management or maintenance fees^
✔ No minimum balance requirements
✔ Unmatched customer service

Ready to open a Business Checking Account? Call us at (800) 666-0191 or visit a branch today!

Business Savings Accounts

Watch your business savings grow steadily and at a competitive rate. Let us help you choose just the right account to maximize the earning potential for your business.

High Yield Savings
Money Market

Ready to open a Business Savings Account? Call us at (800) 666-0191 or visit a branch today!

Business Loans

commercial lending

Commercial Mortgages

Citadel provides Commercial Mortgages for both owner-occupied commercial properties and non-owner-occupied investment properties.

Owner-Occupied Commercial Mortgages

Purchase or refinance an owner-occupied business property or expand or remodel an existing facility. Learn more!

  • Borrow up to $20,000,000
  • Loan terms up to 120 months
  • Fixed monthly principal and interest payments
  • Amortization up to 25 years

Investment Real Estate Mortgages

Purchase or refinance a non-owner-occupied commercial property. Learn More!

  • Borrow up to $20,000,000
  • Loan terms up to 120 months 
  • Fixed monthly principal and interest payments
  • Amortization up to 25 years

Equipment and Term Loans

Enjoy a variety of flexible ways to finance your business needs. Learn more!

  • Borrow up to $1,000,000
  • Get Fully-amortizing loan terms up to 84 months
  • Competitive fixed rates

Business Lines of Credit 

We offer lines of credit that give your business the flexibility to manage cash flow. Learn more!

Flexible access to cash to help you manage short-term working capital needs: 

  • Borrow up to $500,000 
  • Competitive variable rates
  • Monthly, interest-only payments allow you to withdraw when needed and reduce principal when funds are available

Business Vehicle Loans

No matter what your business is, you need reliable transportation. Learn more!

  • Competitive fixed rates
  • Fully-amortizing loan terms up to 84 months

Business Rewards Mastercard

For easy access to cash, take advantage of our Business Rewards credit card. Learn more

  • Earn rewards points
    • Get 30,000 Bonus Points when you spend $3,000 in the first 3 months*
    • 2 points per $1 for gas and office supply purchases*
    • 1.5 points for all other purchases*
  • Support short-term working capital needs
  • Manage seasonal cash flow
  • Purchase inventory
  • Provide cards to your employees
    • Through the ‘Card Control’ app, limit credit lines for each authorized user
  • View the full Mastercard Guide to Benefits for more information!

Schedule a complimentary consultation to discuss your goals and business needs or visit a branch near you.

Grow your business with Citadel!

Learn More

Speak with a Commercial Loan Officer

Jackie Garress, Commercial Loan Officer
Jackie Garress
Commercial Loan Officer
John Hamilton, Commercial Loan Officer
John Hamilton
Commercial Loan Officer

Hear From Our Members

*Agreements and Disclosures

View *Agreements and Disclosures

All Citadel Business Services:

All products and services are subject to Citadel’s standard account requirements and agreements. Eligibility requirements and restrictions may apply. Information accurate as of and subject to change without notice. Fees and additional terms and conditions may apply. Fees may reduce earnings. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements.

Deposit Products:

^A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account holders less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.

Loan Products:

Terms offered are available for business purpose loans only with adequate property valuation (maximum LTV of 80%) and first mortgage position required. Loans may be subject to commitment and documentation fees, as applicable. Other terms, conditions, fees and restrictions may apply. For Owner-Occupied Commercial Mortgages the mortgaged property must be at least 51% owner-occupied for commercial use. Offer not available to applicants with an existing Citadel commercial mortgage. Property insurance is required. Flood and/or title insurance may be required at an additional expense to the borrower. An appraisal will be required at the borrower’s expense for loans exceeding $250,000. To qualify, applicant must be in business for a minimum of three years.

Business Rewards Mastercard:

Offer subject to credit approval. Applicant must be at least 18 years of age. All terms may be subject to change. See Terms and Conditions for additional details. 

30,000 New Account Bonus Points Award

Earn 30,000 bonus Rewards points (“bonus”) for purchases minus any credits or returns (“net purchases”) totaling $3,000 or more within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account must be active and in good standing at time of bonus posting. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Bonus offer may be modified or withdrawn at any time.

Standard Rewards Points

Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for every $1 spent on all other net purchases. For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase. For additional Citadel Business Rewards program details, please visit

Offers, rewards, and features may be modified or withdrawn at any time.

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