Citadel CEO Says Small Business Lending Starts Before the Application

Watch more: Need to Know With Citadel Credit Union’s Bill Brown Small businesses can be profitable on paper and still find themselves short of cash when payroll, inventory or equipment bills arrive before customers pay their invoices. That mismatch is shaping conversations between small business owners and lenders in southeastern Pennsylvania, according to Bill Brown , president and CEO of Citadel Credit Union . Rather than beginning with a term loan or a large capital request, many discussions