Citadel Ridge LLC is a commercial finance brokerage and capital advisory firm. We arrange funding across the full capital stack and advise owners through refinance, growth, and exit.
Ten ways we place capital, matched to where your business actually stands.
Revenue based working capital placed through our vetted funder network, with the true cost read to you straight before you sign. Fast when speed is the point, and never sold as a lifestyle.
Monthly payment facilities for equipment, expansion, acquisition, and refinance. The clean monthly structure most businesses should be carrying.
Revolving working capital that sits ready and costs you only when drawn.
For merchants carrying 3 or more advance positions: a collateral backed facility that pays every position off in full at closing and replaces the daily debits with 1 monthly payment. Detailed below.
Short term capital against a defined exit: a sale, a refinance, or a receivable event, sized and priced to the exit.
Receivables purchase facilities that convert outstanding invoices into working cash without adding term debt.
Subordinated capital between senior debt and equity for acquisitions, buyouts, and growth, arranged when senior alone will not carry the plan.
Direct lender facilities beyond bank appetite, from $1,000,000 to $50,000,000, structured across senior, unitranche, and subordinated layers.
Preparation and introductions for raises with private equity, venture, and family office capital, run as a managed process rather than a cold pitch.
Sell side representation for owners exiting: valuation, materials, a competitive buyer process, and negotiation through close.
A funder deposits new advance money into your account to cover your daily debits and hands you a cheaper payment while every position underneath stays alive. That is not consolidation. That is another advance stacked on the pile.
A collateral backed facility pays off every position in full at closing. The daily debits stop the day it funds. You walk forward with 1 monthly payment and a balance sheet a bank can read.
The daily debits stop the day it funds.
Beyond funding placement, Citadel Ridge runs fixed fee advisory engagements. No success fees, no points, no percentages. Scope and fee are delivered in a single mandate document after qualification.
Built to produce the daily debit stack retired through 1 clean monthly facility, with the business left bankable.
Built to produce a funded institutional facility at competitive pricing, with zero points and the owner's personal exposure contained.
Built to produce a closed sale at a defended price, with the seller protected after close.
Built to produce the balance sheet financed at institutional terms and the enterprise ready to transact on the owner's timeline.
Every file runs on Ridgeline, our internal analytics platform combining model driven underwriting with machine learning assisted document and data engineering. Outcomes are engineered, not hoped for.
Every credit profile is scored against maintained institutional lender and acquirer criteria before distribution, so files go only to counterparties with demonstrated appetite. The result is competing offers, not sequential rejections.
Every position is modeled to true annualized cost and payoff order is optimized for maximum monthly relief per dollar deployed.
Cash flow models run downside simulation before any structure goes to market, so proposed terms survive underwriting instead of dying in diligence.
Credit memoranda, information memoranda, and data rooms are produced to institutional standard in days rather than months.
Covenants, remittances, and milestones are tracked through every engagement with exceptions surfaced before they become problems.
A sample of transactions arranged and advised by Citadel Ridge. Amounts and client identities are confidential.
Short briefs from inside the file. What the paper actually says, and what the other side of the table reads first.
Factor rates are not interest rates. The arithmetic that shows what a stack really costs, annualized.
Read the briefTwo opposite products sold under 1 word, and the 4 questions that expose any offer in a single call.
Read the briefThe 10 minute underwriting read that decides your pricing before the application is opened.
Read the briefFinancial statements and position details come in through the intake form.
Underwriting review and a straight assessment of what your file supports.
Competing options presented with the true cost of each, and you choose.
Documents execute, the facility closes, and the plan you selected is in motion.
Arnold Bhikhai leads Citadel Ridge. His practice spans commercial finance brokerage, capital structure design, and transaction document architecture, built on years inside the merchant advance market reading the paper most borrowers sign without reading. That vantage is the firm's edge: the funding products, the buyout structure, and the advisory mandates all come from knowing exactly how the other side of the table underwrites.
No. Citadel Ridge is a commercial finance brokerage and capital advisory firm. We do not provide debt settlement, debt adjusting, or debt management, and we do not negotiate debts down. A position buyout pays every position in full at closing.
A reverse consolidation puts new advance money into your account to cover existing daily debits while every position underneath stays alive, so the total owed goes up. A position buyout pays every position in full at closing through a collateral backed facility, the daily debits stop at funding, and 1 monthly payment remains. The full breakdown is in our brief on the difference.
No. Citadel Ridge is a brokerage and advisory firm. Facilities are funded by third party lenders and funders, which is precisely why the process produces competing offers rather than 1 house quote.
Buyout facilities are underwritten on business assets: equipment, receivables, real estate, and in some structures a blanket lien on the operating company. The right structure depends on the file, which is why the read starts with your statements and position schedule.
A complete file moves to competing options within days. Funding timelines are set by lender underwriting and collateral verification, and we read that timeline to you straight at term selection rather than promising a date we do not control.
No, and be wary of anyone who does. Outcomes depend on markets, lenders, and your file. Our method is built to drive outcomes: lenders are scored before they are approached and structures are stress tested before they go to market, but fees purchase services and work product, never a promised result.
On funding placements, compensation is disclosed before you sign anything. Advisory mandates are fixed fee, paid at execution by wire, with no success fees, no points, and no percentages.
Because it is the only structure where the advice carries no commission. A success fee advisor is paid only if a deal closes, which pressures every recommendation toward closing something. A fixed fee, paid at execution, buys analysis and work product that are yours regardless of which lender funds or whether you take any offer at all, and it reserves 1 of a strictly limited number of concurrent mandates.
Fixed fee engagements for defined outcomes: refinancing out of advance positions, placing an institutional facility, selling the company, or running the full balance sheet for a year. Each is matched to a gross revenue band, and scope and fee are delivered in a single mandate document after qualification.
Yes. Citadel Ridge serves operating businesses across the United States, and the entire process, from intake through funding, runs remotely.
Recent financial statements, recent bank statements, and a schedule of any current advance positions, submitted through the intake form. A complete file gets a straight read.
Form submissions are not received in confidence until an engagement agreement is executed, so send basics first, not account numbers. Once an engagement is signed, confidentiality and data handling are governed by the agreement itself, and our Privacy Policy covers site interactions.
The file gets read. We respond within 2 business days with a straight assessment: what the file supports, what is missing, and the next step if there is one. If we are not the right desk for it, we say so.
Citadel Ridge LLC is a Wyoming limited liability company serving operating businesses nationwide. The firm is principal led and document driven, built on 1 standard: every file we produce should be able to stand in front of a lender, a buyer, or a regulator without apology.
Send the basics and we respond with a straight read, not a pitch. Email info@citadel-ridge.com.