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Alternative SBA Loans


Full doc 2, 3, and 4 year amortized loan. Two programs, Working Capital loans from 50K-150K, 1-2 years and Expansion loans from 50K to 500K, 2-4 years. True simple interest loans from 7.99%-24.99% (Risk-based pricing). Fixed payments ACH bimonthly.


  • Completed and signed 2 page application
  • Last 2 years Financials (balance sheet and P&L)
  • Last 2 year Corp Tax Filing
  • Last 3 months bank statements (business account)
  • Debt Schedule (current loans: amount, balance, and term)
  • To expedite the process we request these documents are separated and in PDF format.

Once legible and completed documents are received the file is reviewed by a Finance officer and you will be contacted within 24 hours to discuss findings and all options available to client.

Minimum Requirements for Submission:

  • Time in Business: 3+ years
  • Owners FICO: 660+
  • More than 2 employees
  • 500K+ annual gross revenue

Additional Notes:

  • Profit margins are key to this product
  • Should show growth in positive revenue past 36 months
  • No BKs
  • Liens, Judgments, and excessive derogs on owner’s credit will affect approval
  • Collateral Required: Collateral must be 50% of loan amount
  • Loan Amounts: $200,000-$12 million
  • Term: 10-25 years
  • Rates: 2-2.75% + prime rate, 3-5 lender points
  • Credit Requirements: 620 FICO scores or higher, no BK in the last 4 years
  • Details: For profit companies only, positive trends in sales growth, financials required for qualification, SBA 504 and 7a programs available, can be used for working capital or real estate purchase
  • Deal Submission requirements: Application, 2 years business tax returns, resume, business plan, current


About Cenric Group

Our experienced contract buyers are experts in the purchase of all types of consumer installment contracts. If you're in the need of a LUMP SUM CASH OUT of any cash flow contract, contact us TODAY for a no-obligation consultation and confidential note or note portfolio quote.

Contact Information

Cenric Group

332 South Michigan Avenue
Suite 1032-C287
Chicago, IL 60604

Toll Free: 800-526-8441
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.


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The Business Finance Suite is the most comprehensive finance solution in the world. Through your Finance Suite you can secure money for your business and then build a business credit profile and score for your business so you can be approved for even more money with no personal guarantee or credit check.

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We are dedicated to helping you obtain money to grow your business whether you are a new startup business, existing business, or have good or bad personal credit. Below are some frequently asked questions about our Business Credit and Business Funding programs.

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