Purchase
Acquire an eligible commercial property or finance an eligible business purpose.
Commercial and business financing
Commercial Loans
Commercial financing begins with the property or business purpose, the requested structure, available financial information, and a realistic plan for repayment.
Financing conversations for commercial property and business needs.
Commercial real-estate and business loans are evaluated differently from a typical home loan. The review may involve property cash flow, leases, operating history, business financial statements, guarantor information, use of proceeds, and the strength of the proposed transaction.
Citadel can begin with a high-level review of the property or business, the financing purpose, the amount requested, and the information already available. Final eligibility and terms depend on the lender, program, collateral, business, and full underwriting review.
Financing purpose
Start with what you want the financing to accomplish.
Refinance
Review existing commercial debt, maturity timing, or a longer-term financing objective.
Cash-out
Consider whether eligible commercial equity may support a documented business or investment purpose.
Business financing
Discuss SBA-supported or conventional business-loan needs based on the use of proceeds and available records.
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.
Commercial Real Estate LoansFinancing for eligible income-producing or owner-occupied commercial properties.
Commercial real-estate lending may consider the property’s income, expenses, leases, occupancy, condition, location, valuation, borrower or guarantor strength, and the requested loan structure. Requirements vary by property type and lender.
What the initial review may consider
- Property type and use
- Rent roll and leases
- Historical and projected operating income
- Existing debt and requested structure
- Borrower, sponsor, or guarantor information
Warehouse FinancingPurchase or refinance conversations for eligible warehouse, industrial, and distribution properties.
Warehouse financing may involve owner occupancy, tenant leases, property configuration, location, environmental considerations, business use, and operating cash flow. The lender will determine which valuation, reports, and financial documents are required.
What the initial review may consider
- Owner-occupied or investment use
- Tenant and lease profile
- Building size and configuration
- Business or property cash flow
- Purchase, refinance, or cash-out purpose
Retail Property FinancingFinancing conversations for eligible storefronts, retail centers, and owner-occupied retail locations.
Retail-property review may consider tenant mix, lease terms, location, customer access, property condition, operating history, and business occupancy. A single owner-operated store and a multi-tenant retail property may require different documentation and underwriting approaches.
What the initial review may consider
- Property and business use
- Lease and tenant information
- Operating statements
- Location and condition
- Sponsor or guarantor financial information
Office Property FinancingPurchase or refinance conversations for eligible office buildings and owner-occupied professional space.
Office financing may be shaped by owner occupancy, tenant demand, lease duration, property configuration, operating performance, and market conditions. The requested term and lender appetite may vary by building and use.
What the initial review may consider
- Owner occupancy or tenant profile
- Rent roll and lease expirations
- Property operating history
- Building condition and use
- Loan amount and financing purpose
SBA LoansGovernment-supported lending programs that may help eligible small businesses finance qualifying purposes.
SBA loans are made by participating lenders and supported by U.S. Small Business Administration programs. Eligibility, use of proceeds, guarantees, documentation, collateral, fees, and processing requirements depend on the program and lender. Citadel does not represent the SBA and does not guarantee approval.
What the initial review may consider
- Eligible business and ownership
- Use of proceeds
- Business history and financial statements
- Owner or guarantor information
- Program and participating-lender requirements
Business LoansConventional financing conversations for eligible business purposes based on cash flow, collateral, and documentation.
Business-loan structures vary widely. A lender may review revenue, profitability, time in business, existing obligations, ownership, credit, collateral, and the documented use of funds. The first step is defining the request and assembling reliable financial information.
What the initial review may consider
- Requested amount and use of funds
- Time in business
- Business tax returns or financial statements
- Current debt schedule
- Collateral and guarantor information where applicable
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 and business overview
- Purchase contract or current loan statement
- Rent roll and leases when applicable
- Business financial statements and tax returns
- Debt schedule
- Ownership and guarantor information
- Requested amount and use-of-proceeds explanation
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
What types of commercial property can be reviewed?
Eligible warehouse, retail, office, owner-occupied, and other commercial real-estate scenarios may be reviewed. Property and lender eligibility must be confirmed for each request.
Is an SBA loan the same as a grant?
No. An SBA loan is a loan made through a participating lender under an SBA program. It must be repaid and remains subject to program, lender, documentation, and underwriting requirements.
What financial records are commonly requested?
Depending on the request, a lender may ask for business tax returns, profit-and-loss statements, balance sheets, bank statements, rent rolls, leases, debt schedules, and personal financial information from guarantors.
Can commercial property be refinanced or used for cash-out?
Eligible refinance and cash-out requests may be reviewed. Available leverage, proceeds, and terms depend on property performance, valuation, borrower strength, purpose, and lender guidelines.
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.