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CenTrust Bank is a Chicago-based community bank division of SmartBiz Bank, N.A., specializing in commercial banking solutions for small to medium-sized businesses. The bank provides customized financial solutions and deep industry expertise, offering conventional and SBA loan products alongside connections to professional resources in accounting, wealth management, insurance, and legal services.
Have you worked with CenTrust Bank, A Division of SmartBiz Bank National Associat? Share your experience to help others.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$867K
Average
$1.0M
Sweet Spot
$0-$500K
Industries with highest loan volume
Limited-Service Restaurants
2
loans
$629K
avg. amount
Limited-Service Restaurants
Loans
2
Avg. Amount
$629K
Plumbing, Heating, and Air-Conditioning Contractors
1
loans
$994K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
Loans
1
Avg. Amount
$994K
Metal Service Centers and Other Metal Merchant Wholesalers
1
loans
$481K
avg. amount
Metal Service Centers and Other Metal Merchant Wholesalers
Loans
1
Avg. Amount
$481K
Janitorial Services
1
loans
$292K
avg. amount
Janitorial Services
Loans
1
Avg. Amount
$292K
General Automotive Repair
1
loans
$1.2M
avg. amount
General Automotive Repair
Loans
1
Avg. Amount
$1.2M
Pet and Pet Supplies Retailers
1
loans
$1.5M
avg. amount
Pet and Pet Supplies Retailers
Loans
1
Avg. Amount
$1.5M
Industrial Machinery and Equipment Merchant Wholesalers
1
loans
$550K
avg. amount
Industrial Machinery and Equipment Merchant Wholesalers
Loans
1
Avg. Amount
$550K
Mechanical Power Transmission Equipment Manufacturing
1
loans
$3.3M
avg. amount
Mechanical Power Transmission Equipment Manufacturing
Loans
1
Avg. Amount
$3.3M
Vending Machine Operators
1
loans
$144K
avg. amount
Vending Machine Operators
Loans
1
Avg. Amount
$144K
Other Building Finishing Contractors
1
loans
$937K
avg. amount
Other Building Finishing Contractors
Loans
1
Avg. Amount
$937K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.95% |
| $500K-$1M | Prime + 3.00% |
| $1M-$2M | Prime + 2.63% |
| $2M-$3M | Prime + 2.75% |
| $3M-$4M | Prime + 2.30% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)