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Business Revenue Lending


Low Doc, short term(3-18 month) loan designed to inject needed revenue into a company while leaving as much revenue in the business cycle as possible with daily ACH payments on business days. (No weekends or Holidays) Loan amounts generally are 10-14% of annual gross revenue that flows through the business bank account. Term and rate is determined by business credit profile, time in business, industry, and owners FICO.


  • Business Revenue Application 3 pages (COMPLETELY FILLED OUT)
  • Last 6 months of ALL company bank accounts
  • Last 6 months of Merchant Statements (if MCA loan)
  • To expedite the process we request these documents are separated and in PDF format.
    • Example: Dex Small Pony INC June Bank.pdf Dex Small Pony INC Application.pdf

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: 6+ months
  • Deposits: 8+ (revenue deposits not transferred or discretionary credits)
  • Non-sufficient funds: <3 per month (certain exceptions allowed)
  • Negative balance days: <3 per month (certain exceptions allowed)
  • Monthly gross deposits: 10K+ (consecutive last 6 months)
  • Owners FICO: 500+

Sweet Spot:

  • TIB: 3+ years
  • Monthly Gross: 50K
  • Owner FICO: 600-690

Additional Info:

  • Collateral Required: Consistent revenue verifiable on bank statements
  • Loan Amounts: $5,000-1,000,000
  • Term: 3-18 months
  • Rates: 10-45%
  • Credit Requirements: 520 credit score or higher, no bankruptcies
  • Details: Business must earn annual revenue of $150,000 or more per year, must be in business for a year or more, business must do over 10 small transactions each month, financial services industries are prohibited, damaged credit is acceptable
  • Deal Submission requirements: Application, 6 months business bank statements

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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Business FAQs

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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