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Unsecured Bank Line of Credit


Bank Line of Credit from 50K to 150K minimal doc. This program is designed to help successful business meet current demands of working capital, expansion, marketing etc. Closings usually 30 day or less. Fixed rates from 7-10%, Lines equal to 10% of annual sales. Requires a one-time fee of $5995 from proceeds.

Submission: 100K or less (no UCC1 Filing)

  • LOC 2 page application (COMPLETELY FILLED OUT)
  • Copy of Driver’s License (Owner(s))

Submission: 101K+

  • LOC 2 page application (COMPLETELY FILLED OUT)
  • Copy of Driver’s License (Owner(s))
  • Last 2 years Business Tax Returns
  • Last 2 years Personal Tax Returns (Owners over 20%)
  • Year to date P&L / Balance Sheet
  • Business Debt Schedule
  • Experian Credit Report within 30 days
  • 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.

Sweet Spot:

  • TIB 3+ years
  • Annual Gross 1M+
  • Owner FICO 720 (700 minimum)

Additional Info:

  • Collateral Required: Unsecured
  • Loan Amounts: $50,000 to $150,000
  • Term: Revolving line of credit
  • Rates :6% to 11%
  • Credit Requirements: 700+(Experian)
  • Details: Min monthly payment 3% of balance
  • Deal Submission requirements: 2 years Business and Personal tax returns, Year to date P&L / Balance Sheet, Business Debt Schedule, Experian Credit report

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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