Log In
Reassurance and Confidence
“Citadel allows me to conduct and manage my personal business with reassurance and confidence.”
Commercial Mortgages Built For You
Owner-Occupied & Investment Real Estate Commercial Mortgages
Loan amounts up to $20 million
We offer commercial real estate mortgages for owner-occupied and investment properties with flexible terms and financing options built to fit your needs. Our commercial mortgages allow you to finance up to 75% of the purchase amount with no prepayment penalties.
Loan Amounts
Borrow up to $20 million for owner-occupied or investment properties.
Get Started
Repayment Terms
Loan terms up to 120 months with amortization up to 25 years.
Apply Now
No Prepayment Penalties
Our investment mortgages are structured for simplicity to give you options.
Talk to an Expert
Speak with a Commercial Loan Expert
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 provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Best For...
Multi-Family Properties
Office Buildings
Flex-Space & Warehouses
Retail Properties
Get started today with a Citadel Commercial Mortgage.
Hear From Our Members
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!”
Find an ATM or Branch Near You
*Commercial Mortgage Disclosures
View *Commercial Mortgage Disclosures
*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 package, credit approval and other conditions. Terms offered are available for business purpose loans only with adequate property valuation (maximum LTV of 75%) 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 for commercial use. Offer not available to applicants with an existing Citadel commercial mortgage. Property, flood and/or title insurance may be required. Loans are available on commercial properties in PA, NJ, MD, and DE. Please contact a Citadel representative for details.