Quick and simple Property and Bitcoin Bridging loans
from £5,000-£250,000.
Why make bridging difficult.
ABOUT
Here at Citadel Capital, we’re on a mission to change what Borrowers think about Bridging and its many and varied uses. We want to make finding the right bridging loan as normal as applying for a loan from a high street bank - only simpler. That’s why we have a dedicated and friendly team to support Borrowers whether they come direct to Citadel or via a broker and we make our application process simple and fast with help every step of the way. So, whether you’re a first time Borrower or have years of experience you’ll get the right level of support from Citadel.
Borrower ethos
Our ethos is to find as many ways as possible to say “Yes” to a loan, simply and responsibly.
Citadel Capital is a UK based family run property bridging lender. With a friendly team that’s always on hand to help, we use our many years of experience, combined with advanced technology, to quickly make sensible decisions that help find funds fast.
Investor ethos
Our ethos is to prioritise the quality of our loans, not the quantity – on occasion lending less money than our peers as we seek to prioritise the safety of our loans over the volume. As such, we seek to grow our business by only financing loans that we would be willing to invest in ourselves.
Investor Security
All of Citadel Capital's underlying loans are secured over UK property or Bitcoin by a short-term mortgage, legal charge or temporary custody. In the event that the borrower fails to repay the loan, then the loan may be recovered by repossessing and selling the property subject to the value of the property when it is sold or liquidation of the Bitcoin. Please note, this may take time and may create added costs.
WHY CHOOSE US?
SUPPORT
All statuses, many purposes, arranged quickly, secured over UK property or Bitcoin.
Up to 65% LTV.
SPEED
Get a decision in principle fast. In many cases no credit checks required.
LOAN PURPOSES
Bridging Loans
1st Charge Loans
Auction Finance
Refurb Finance
Below Market Purchase
Development Exit
Re-bridging a Bridge
OUR PRODUCTS
LEVERAGE YOUR BITCOIN
No need to sell your Bitcoin! Use your digital assets as collateral to get the liquidity you need, while holding onto your Bitcoin for future growth. Unlike traditional loans that rely on your credit score, Citadel offers loans backed by your Bitcoin, meaning you can borrow without impacting your credit score.
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LOW RATE
Our Low Rate product is aimed at standard cases and clients who can evidence clean credit, have an evidenced exit, proof of income and use of funds.
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VALUATION BASED
Our Valuation Based product is based on the value of the asset, not the Borrower’s profile, ideal for clients who may not be able to evidence the Low Rate criteria or who do not wish to do so.
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DEV LOAN
From complex circumstances to non-standard income and property types, whatever your status or financial situation, we can help with a loan for Light Refurbs through to Heavy.
- Up to 65% LTV Day 1 and 100% Cost for Works
- New and experienced Developers welcome
- Light, Moderate and Heavy Refurbs
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SOS LOAN
Business loans arranged quickly and simply for clients facing Bankruptcy, Insolvency, Liquidation, Repossession or any other financial difficulties.
Most other lenders won’t even consider business bankruptcy or insolvency cases. Citadel Capital believes everyone deserves a second chance and our SOS Loan is all that some businesses need to buy themselves time to get back on track.
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Our Criteria
Who?
How Long?
Where?
RISK WARNING
Risk Warning Citadel Capital loans are unregulated. Any asset used as security is at risk of repossession if you do not keep up with your payments. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.
Representative example: Based on interest only bridging loan. If you borrow £100,000 over 1 year at a rate of 0.6% pcm / 7.2% p.a fixed for the term, you will pay 12 instalments of £600 per month and a total amount payable of £109,850. This includes repayment of the net loan, interest of £7,200, an arrangement fee of £2,000 and administration fee of £650. The overall cost for comparison is 9.85% APRC.
Note: this is an example, each loan is unique and there may be other fees incurred
FAQs
For property backed loans who instructs the valuation?
What security will you lend against?
Do you offer regulated bridging loans?
What is an exit strategy?
What is the risk?