Get clear, practical options to buy or refinance the facility your business occupies. You can structure loans from $250,000 up to $10,000,000 with terms from 5 to 20 years and amortization up to 25 years.

Your goals guide the plan. A dedicated wealth team helps you choose fixed or variable rates and balance cash flow with debt reduction. You’ll see how property debt fits into broader financial planning.

Keep payments and escrow close to your daily banking by using Citi business accounts. This makes account management, document support, and branch completion easier. You also get clear eligibility rules and timely underwriting decisions for fast clarity and access to service and support.

Key Takeaways

  • Loan sizes range from $250K to $10M with 5–20 year terms.
  • Options include competitive fixed or variable interest rates.
  • A dedicated team aligns financing with your long-term goals.
  • Maintaining Citi business banking simplifies payments and documents.
  • Clear eligibility and formal underwriting provide timely decisions.

Customized Commercial Mortgage Solutions Backed by Your Wealth Team

Design a mortgage that fits your operating rhythm with guidance from your wealth and lending specialists. You can choose loans from $250,000 to $10,000,000 with terms between 5 and 20 years and amortization up to 25 years.

Select competitive fixed or variable rates that match your interest-rate view and risk tolerance. Your team helps you weigh rate exposure against broader wealth management goals.

Financing is available for owner-occupied facilities in CA, CT, DC, FL, IL, MD, NJ, NY, NV, and VA. Expect early eligibility checks so due diligence, appraisal, and underwriting focus on the right markets.

To qualify, your business must operate in the U.S., maintain a Citi business checking account, and provide personal guarantees from owners holding 51% or more. All loans are made by Citibank, N.A., an equal credit opportunity lender, and are subject to underwriting and credit approval.

“You’ll get coordinated services and timely updates from your banker and branch team throughout the process.”

  • Loan sizing and terms aligned to cash flow
  • Owner-occupied property requirement
  • Coordinated services through your wealth and lending team

commercial-property-financing-citi-private-wealth: Eligibility, Features, and Relationship Benefits

Your eligibility and relationship profile shape the terms and support you receive. Your business must be established and operating in the U.S., maintain a Citi business checking account, and have owners who provide personal guarantees totaling 51% or more.

eligibility access team wealth

Who qualifies

Basic requirements give lenders clear recourse and give you predictable expectations. These requirements help speed up early eligibility checks and underwriting.

Citigold Private Client advantages

Many clients strengthen their relationship by meeting Citigold Private Client balance thresholds. Maintaining around $1,000,000 combined average monthly balance (with new-relationship review thresholds near $800,000 in an early month) can unlock expanded services and coordinated planning across cash and credit.

Personalized service and communication options

You gain a dedicated wealth team that integrates lending with your liquidity and tax timing. Expect practical guidance on amortization, prepayment, and covenant planning so debt supports your goals.

  • 24/7 Citigold Private Client access for ongoing requests
  • Commercial lending support at 1-877-528-0990 (hours listed for application help)
  • Inclusive communications — we accept TTY and 711 or other relay service

“Your banker and team will guide document preparation, property checks, and timeline expectations to keep you informed and confident.”

Integrate Financing with Wealth Management, Planning, and Guidance

Coordinate cash, credit, and investment choices so each decision advances your overall plan.

Link your commercial loan strategy with personal wealth goals. Work with advisors to align payment schedules, reserves, and distributions so debt complements growth and income needs.

Coordinating banking, investment, and cash management for your goals

You can integrate portfolios across equities, fixed income, ETFs, and managed accounts to balance risk around business cash flow. Advisors may recommend structured products or alternatives selectively.

Estate, legacy, and insurance considerations for business owners and family

Factor in estate planning, buy-sell agreements, gifting, and donor-advised funds with your tax and legal advisors. Review insurance to cover liability, succession, and income protection for your family and key employees.

Market and economic insights from Citi’s Chief Investment Office

  • Use CIO research and webcasts to time liquidity, capex, or refinancing moves.
  • Translate market outlooks into practical steps like laddering maturities or holding strategic cash.
  • Combine lending, cash management, and portfolio decisions into a cohesive set of services.

“Your advisors translate market guidance into actionable steps so financing remains resilient in changing conditions.”

How to Apply and What to Expect

Start your application by organizing key documents so the branch team can move quickly. Begin with basic business financials, ownership records, property details, leases, and organizational papers. This helps bankers confirm completeness and accelerate review.

What to bring and the branch visit

Bring: business tax returns, balance sheets, owner IDs, property information, and leases (if any). Complete the application in person at your nearest Citibank branch where bankers guide you through forms and uploads.

  • Call 1-877-528-0990 for questions (Mon–Fri 7 AM–11 PM ET; Sat–Sun 9 AM–5:30 PM ET).
  • If you use assistive communication, TTY is supported — We accept 711 or other relay service to ensure access.
  • Maintain a Citi business checking account to link payments and servicing.

Underwriting, eligibility, and disclosures

Underwriting evaluates cash flow, debt-service coverage, guarantor strength, property value and condition, title, and insurance readiness.

Verify early that the property is owner-occupied and located in CA, CT, DC, FL, IL, MD, NJ, NY, NV, or VA. Eligibility also requires U.S.-based operations and personal guarantees from owners with 51%+ ownership.

“Loans are provided by Citibank, N.A., an equal credit opportunity lender, and are subject to underwriting and credit approval.”

Conclusion

,Close the loop by making sure your loan structure works with your broader wealth management and business goals.

You can coordinate debt, cash reserves, and investment timing with your dedicated team so financing supports growth and protects your family.

Use CIO insights to inform rate choices and reinvestment plans. Keep estate and succession needs in view so assets and liabilities align across generations.

For next steps, contact your banker or call 1-877-528-0990. TTY accepts 711 or other Relay Service. Loans are made by Citibank, N.A., and are subject to underwriting and credit approval.

FAQ

What loan sizes, terms, and rates are available for business owners?

Citi offers a range of loan sizes and flexible terms to match different business needs. Your approved amount, term length, and interest rate depend on the property type, your credit profile, and the relationship balances you hold with the bank. You should expect personalized pricing based on underwriting, collateral, and overall asset levels within your wealth team.

Which property locations and occupancy types qualify?

Eligible properties typically include commercial real estate used in U.S. operations. Occupancy requirements vary by loan product—owner-occupied, mixed-use, and leased assets may all be considered. Specific location and zoning restrictions apply, so bring property documentation when you apply.

How does Citi ensure equal credit opportunity?

Citi adheres to equal credit opportunity standards and non-discriminatory underwriting. Approval is based on financial capacity, property collateral, and documented ownership. If you need accessibility support, Citi accepts Relay Service, including 711, for communications.

Who qualifies for these commercial mortgages?

Businesses with U.S.-based operations and verifiable ownership usually qualify. Having a Citi business checking relationship or meeting required balance thresholds can strengthen your application. Individual guarantees or ownership documentation are often required to complete underwriting.

What are the benefits for Citigold Private Clients?

Citigold Private Clients can access enhanced pricing, prioritized service, and integrated solutions across banking and investment teams. Balance thresholds unlock dedicated relationship managers who coordinate credit, cash management, and investment planning to support your property goals.

How does your wealth team coordinate financing with investment and cash management?

Your wealth team consolidates banking, lending, and investment advice to align financing with cash flow and portfolio objectives. They help structure repayment plans, suggest liquidity solutions, and coordinate trust, estate, and insurance considerations to support long-term business and family goals.

What estate and insurance issues should business owners consider?

You should evaluate succession planning, business continuity, and property title in tandem with insurance coverage. The wealth team can recommend estate strategies and risk transfers that protect family interests and preserve value in real estate holdings.

How does Citi’s Chief Investment Office support lending clients?

Citi’s Chief Investment Office provides macroeconomic and market insights that inform lending and portfolio decisions. Your advisor uses those research perspectives to time funding, adjust risk assumptions, and recommend hedging or diversification strategies aligned with your property exposure.

What documents should I bring to apply?

Bring personal and business tax returns, financial statements, property leases, title reports, and business formation documents. Identification, proof of ownership, and existing loan statements help underwriting assess cash flow and collateral value more quickly.

What happens during underwriting and property eligibility review?

Underwriting evaluates your credit, business cash flow, and property valuation. Appraisals, environmental reviews, and title searches confirm eligibility and identify any encumbrances. Expect requests for supplemental documentation and timelines that reflect property complexity.

How do I start the application process?

Contact your Citi relationship manager or visit a branch to discuss options and begin an application. Your team will outline steps, required documentation, and expected timelines. For accessibility needs, request TTY support or use Relay Service such as 711.