Centinel Bank offers free online billpay.
We lend strength to our communities by helping local businesses grow and prosper to provide more jobs for area residents. Centinel Bank offers a wide range of lending products for businesses. We offer local decision making and knowledge of our area, competitive rates, fast turnaround of your request, and experienced lenders to assist you.
As a locally owned and operated commercial bank we have the flexibility to offer a variety of commercial loan products tailored to meet your unique needs. The following is a sample of our products:
- Commercial real estate loans
- Construction loans
- Multi-family dwelling loans
- Long and short term financing
- Land development loans
- Equipment loans
- Vehicle loans
- Working capital lines of credit
- Stand by letters of credit
- Business MasterCard
- Overdraft Protection
Apply here for a business loan.
Preparing for your appointment
To prepare for your appointment with a Commercial Lender, here are a few things to bring:
- Completed commercial loan application
- Income verification: Current and prior 2 years financial statements, (Balance Sheet & Income Statements)
- Business Tax Returns
- Signed personal financial statement on each principal owner or guarantor, and most recent 3-year personal federal income tax return
- Collateral information (i.e. legal descriptions, titles, etc.)
- Other organization documents as described below
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Sole-Proprietorship
- Valid Business License, where applicable
- Proper identification for each signor on the loan
-
Partnership
- Valid Business License, where applicable
- Partnership Agreements
- Partnership Resolution
- Federal Taxpayer Identification Number
- Proper identification for each signor on the loan
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Corporation
- Valid Business License, where applicable
- Certificate of Incorporation
- Articles of Incorporation and Bylaws
- Federal Taxpayer Identification Number
- Corporate Resolution – available at bank
- Proper identification for each signor on the loan
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Limited Liability Corporation (LLC)
- Valid Business License, where applicable
- Certificate of Organization
- Articles of Organization
- Operating Agreement
- Federal Taxpayer Identification Number
- Proper identification for each signor on the loan
