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    "headline": "Citadel Credit Union Closes Record $50M Loan for Philadelphia Office Tower",
    "dek": "Citadel Credit Union announced the closing of a record $50 million commercial real estate loan for 2000 Market Street in Philadelphia.",
    "prose": "Citadel Credit Union announced the closing of a $50 million commercial real estate loan for 2000 Market Street in Philadelphia. [^1]\n\nBill Brown, president and CEO of Citadel Credit Union, stated that small business lending conversations in southeastern Pennsylvania have shifted from large term loans to managing liquidity and cash flow. [^2]\n\nCitadel funded $36 million at closing, with the remaining $14 million available as the ownership group achieves leasing milestones and completes tenant improvements. [^3]\n\nBrown reported that many first-time business borrowers reach lenders without having prepared their balance sheets, receivables, and cash flow for a credit application. [^4]\n\nBrown stated that Citadel has moved from traditional score-based underwriting models toward debt-service and repayment models that evaluate business loans based on business models and owner strategy. [^5]\n\nA joint venture between CSB Holdings LLC and Tide Realty Capital acquired 2000 Market Street for $45.5 million in August 2025. [^6]",
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      "statement": "Citadel Credit Union announced the closing of a $50 million commercial real estate loan for 2000 Market Street in Philadelphia.",
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