Unlock New Possibilities for Your Local Business

Whether you’re in the market for a new space for your business or looking to refinance, Citadel can help your company grow and thrive with our full suite of commercial lending solutions. We offer competitive pricing and specialized programs for small businesses in a variety of sectors such as: healthcare, manufacturing, retail, contracting, and more.

Plus, for a limited time, you can get rates as low as 5.75% APR on owner-occupied mortgages.^*

With Citadel, your business will also benefit from:

• No Prepayment Penalties
• Flexible Terms
• Custom Packages with Loans, Credit Cards, Cash Management, & More
• Specialized Programs for Healthcare Providers, Manufacturers, Retailers, Contractors, and Small Business of All Kinds

Complete the form below to get your business the lending solutions it needs to reach the next level. 

Why Choose Citadel?

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We offer a full suite of Business Banking accounts and services to help build financially strong businesses that directly influence and care for our communities.

* Rates expressed as Annual Percentage Rate (APR). Rates are accurate as of 11/1/2024 and are subject to change without notice. Offer subject to receipt of a complete Citadel application package, 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.

LIMITED TIME OFFER:

The following are the minimum requirements to qualify under the program:

Loan Amount: $500,000 or greater in aggregate loan requests. Starting Rate (as of 12/9/2024): 6.25%.

Minimum Requirements: One loan ($500,000 or greater) +$50,000 in deposits + Full Banking Relationship (deposits must be maintained for six months or discount forfeited); this gets you a 10 basis point (0.10%) discount.

Additional rate discounts offered for the following:

• Add a $100,000 or greater Business Line of Credit OR $100,000 or greater Business Term Loan for an additional 20 basis points (0.20%) discount.*

*NOTE: Business Lines of Credit to be priced as low as Wall Street Journal Prime +0%, variable (maximum 2% discount from standard pricing).

• Add a maximum of two cash management services for an additional 5 bps (0.05%) discount for each service added. (Maximum discount available = 10 bps (0.10%)).

• Increase the cash deposits to a minimum daily balance of $100,000 or greater for an additional 10 bps (0.10%) discount (deposits must be maintained for six months or rate discount forfeited).

Maximum Discount Available = 50 basis points (0.50%) from our starting rate= “as low as low as 5.75%”.

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