Purchase
Acquire a property when the closing schedule or current condition calls for a shorter-term financing review.
Property and project financing
Bridge & Construction Loans
Short-term financing can help when a property, project, or closing timeline does not fit a conventional loan path. Citadel begins with the property, the project plan, the requested timeline, and the intended exit strategy.
Financing built around the property and the plan.
Bridge and construction financing is often used when timing, renovation, or the condition of a property matters as much as the borrower’s long-term financing plan.
The appropriate structure depends on the property, available equity, project scope, budget, experience, and how the loan is expected to be repaid or replaced. A short inquiry can help identify which information should be reviewed first.
Financing purpose
Start with what you want the financing to accomplish.
Refinance
Replace existing debt while a property, construction plan, or longer-term financing path is being completed.
Cash-out
Review whether available equity may support renovation, construction, or another documented project purpose.
Available paths
Explore the programs in this family.
Select a program to see what it is, when it may be considered, and which details usually matter first.
Hard Money LoansProperty-focused financing for scenarios that may require speed, flexibility, or a different documentation approach.
Hard money lending generally places significant weight on the property, equity, loan purpose, and repayment plan. It may be considered for time-sensitive acquisitions, properties requiring work, or situations that do not fit a conventional timeline. Rates, fees, leverage, and documentation vary by lender and scenario.
What the initial review may consider
- Property value and condition
- Requested loan amount and available equity
- Loan purpose
- Repayment or exit strategy
- Borrower and project experience where relevant
Bridge LoansShort-term financing intended to bridge a defined gap between the current transaction and a future financing or sale event.
A bridge loan may help connect a purchase, refinance, sale, renovation, or stabilization plan. The review typically considers the current property, the next transaction, the expected timing, and how the bridge balance will be repaid. A bridge loan is temporary financing, so the exit plan is a central part of the conversation.
What the initial review may consider
- Current and target properties
- Closing deadline
- Existing liens
- Liquidity and reserves
- Expected sale or permanent financing
Construction LoansFinancing conversations for ground-up construction, substantial renovation, or completion of an existing project.
Construction lending may involve budgets, plans, permits, draw schedules, contractor information, borrower experience, and the completed value of the property. Requirements differ substantially between lenders and project types. Early review helps identify which project documents are needed before a formal application moves forward.
What the initial review may consider
- Plans, scope, and construction budget
- Permits and project status
- Contractor and development team
- Land or property basis
- Completion and permanent financing plan
Fix & Flip LoansShort-term acquisition and renovation financing for eligible properties intended for resale.
Fix-and-flip financing may combine acquisition and renovation needs in one project review. The lender may evaluate the purchase price, renovation budget, current and after-repair value, timeline, experience, reserves, and intended sale. Final terms depend on the full property and borrower scenario.
What the initial review may consider
- Purchase contract
- Renovation scope and budget
- Current and projected property value
- Project timeline
- Experience, liquidity, and exit plan
Prepare for the conversation
Information that may help with an initial review.
You do not need every document before you ask a question. Begin with what you have, and Citadel can explain what may be needed next.
- Property address and current condition
- Purchase contract or current loan statement
- Requested loan amount
- Renovation or construction budget
- Plans, permits, and contractor information when applicable
- Experience summary and project schedule
- Proposed exit strategy
Reviewed with a real person
Discuss the property, documents, and purpose with Nicolas.
Loan categories are a starting point. Nicolas can help identify the questions that matter for the property or business and explain which information may support the next stage.
Meet NicolasCommon questions
Before you begin
How quickly can a bridge or hard money loan close?
Closing time depends on the property, title, valuation, requested structure, documents, lender capacity, and borrower readiness. Citadel does not promise a closing date before the scenario is reviewed.
Is a construction budget required?
A detailed budget is commonly requested for construction and renovation financing. The required format and supporting documents depend on the lender and project.
What is an exit strategy?
The exit strategy explains how short-term financing is expected to be repaid, such as through a property sale, project completion, or replacement with longer-term financing.
Can these loans be used for a refinance or cash-out?
Eligible refinance and cash-out scenarios may be reviewed. Available proceeds and terms depend on the property, equity, purpose, borrower profile, and lender requirements.
Start with the basic scenario.
Tell Citadel what you are financing, what you want to accomplish, and what information is available. A short inquiry is enough to begin.