Industries
Every trade is read differently. Here is how.
The bank statements come first in every file, but what an underwriter looks for in them changes by trade: card batches in a restaurant, draws and retainage on a job site, floor plan curtailments on a lot, payer cycles in a practice. 6 pages, 1 per trade, on what the read looks for, how the stack builds, and the facilities that fit.
Trucking and logistics
Repairs and slow payers build the stack.
Read the page IndustryMedical and dental practices
Expansion and a slow payer build the stack.
Read the page IndustryRestaurants and hospitality
The advance is sold on the card receipts, and the second 1 arrives before the first is paid.
Read the page IndustryConstruction and contractors
The draw is late and the crew is not.
Read the page IndustryDealerships
Curtailments arrive in the slow season.
Read the page IndustryManufacturing
Growth builds the gap before it builds the cash.
Read the pageNot on the list? Citadel Ridge serves operating businesses nationwide across trades. The read is the same: send the file and it comes back within 2 business days with a straight answer.
Start with the file
A straight read within 2 business days.
Send the basics through the intake form: 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.