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Reassurance and Confidence
“Citadel allows me to conduct and manage my personal business with reassurance and confidence.”
Building Strength in Your Business
Owner-Occupied Commercial Mortgages
With an Owner-Occupied Commercial Mortgage through Citadel, business owners can borrow up to 80% Loan-To-Value (LTV) financing to purchase or refinance owner-occupied commercial real estate. Financing is available for office buildings, warehouses, medical and professional offices and retail properties. Get started!
Leverage your business equity by trusting Citadel as your financial partner for your commercial property. Together we'll find the lending option to meet your unique business needs.
Committed to Building Your Business
Our Business Banking Team is committed to helping you grow your business. We will be with you every step of the way to guide you through the lending process.
Local Expertise
With decades of deep expertise in the Greater Philadelphia region and a firm commitment to the community, Citadel is proud to offer a relationship-based approach. Since we're local, we're able to maintain meaningful, ongoing connections to strengthen your business.
Loan Amounts
Borrow up to $20,000,000 for owner-occupied commercial properties.
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Repayment Terms
Loan terms of 60, 84, or 120 months with amortization up to 25 years. There are no prepayment penalties.
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Competitive Rates
Citadel offers competitive fixed or variable interest rates.
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Additional Features
- No Pre-Payment Penalty
- Flexible Payment Terms
- Loans up to $20,000,000
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Best For...
Medical & Professional Offices
Flex-Space & Warehouses
Commercial Properties
Retail Properties
Borrow up to 80% Loan-To-Value (LTV) financing to purchase or refinance owner-occupied commercial real estate today!
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Exceptional Personal Service
“All of us at Hatt's True Value Hardware in Thorndale, appreciate the great service and exceptional personal service Citadel provides our business.”
Made My Business Efficient and Profitable
“Citadel has provided steady communication over the years and when a new business product became available, I was the first to know. If I had a new business request, I brought it to the attention of Citadel and products were created to meet my needs. I was very impressed that Citadel considered my needs and actually created products to help my business grow. By listening to my business needs, Citadel ALWAYS found a way to help make my business more efficient and profitable. As my business continues to flourish, I look forward to the way that Citadel will grow with me.”
Long Time Retail Customer
“ The amazing service I get on my commercial account is a huge. As a long time retail customer, I just naturally continued working with Citadel when I needed commercial accounts. Naturally, their local, individually focused customer service is a part of their commercial culture too. They have the products I need, and their responsiveness to those needs is one of my secret weapons, and a major competitive advantage for my business.”
Citadel Member For Over 40 Years
“I have numerous businesses with multiple properties and mortgages that were due for balloon payments. Having been a Citadel member for over 40 years, I decided to reach out to their Business Lending department. I met with a local branch manager and the VP of Business Lending to explain my current situation and lending needs. They completely understood my business goals and I was able to apply for a loan online. The VP showed up for closing which meant a lot to me as a customer. Now, I can manage all of my banking both for my business and personal needs on one website. Thanks Citadel!”
Very Knowledgeable, Helpful and Patient
“I have recently opened a new business account with Citadel and my experience has been very positive. In conjunction with my new business account, I took out a mortgage with Citadel after finding out their rates are competitive. The entire experience set me at ease as the people I worked with were very knowledgeable, helpful and patient. I highly recommend this credit union.”
Easy Decision To Bank With Citadel
“We all need to bank somewhere. To me, it's an easy decision to do so with Citadel. Citadel treats you like a friendly neighbor, cares about your family, your Business Lending needs and supports the community across the region. Personally, I've been treated amazing at every level; from the CEO all the way to the tellers. Citadel has a truly amazing culture, the company is well managed and focused on You!”
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Citadel is an Equal Housing Lender.
*Rates expressed as Annual Percentage Rate (APR). Rates are accurate as of and are subject to change without notice.
Offer subject to receipt of a complete Citadel application, credit approval and other conditions. 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.
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.
Loans are available on commercial properties in PA, NJ, MD, and DE.
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. Please contact a Citadel representative for details.