States Served
Top Industries Financed
- Residential Remodelers
- Limited-Service Restaurants
- Plumbing, Heating, and Air-Conditioning Contractors
- General Automotive Repair
- All Other Specialty Trade Contractors
Quick Summary
CenTrust Bank, A Division of SmartBiz Bank National Associat is an SBA-approved lender headquartered in Northbrook, Illinois. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 648 SBA 7(a) loans totaling $226.2M, with an average loan size of $349K. They serve businesses across 46 states.
About CenTrust Bank, A Division of SmartBiz Bank National Associat
CenTrust Bank, A Division of SmartBiz Bank National Associat is an SBA-approved lender headquartered in Northbrook, Illinois. Since 2020, they have approved 648 SBA 7(a) loans totaling $226.2M, with an average loan size of $349K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 46 states.
Before you apply — know where you stand
Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
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Frequently Asked Questions
Is CenTrust Bank, A Division of SmartBiz Bank National Associat an SBA Preferred Lender?
Yes, CenTrust Bank, A Division of SmartBiz Bank National Associat is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has CenTrust Bank, A Division of SmartBiz Bank National Associat approved?
According to SBA FOIA public records, CenTrust Bank, A Division of SmartBiz Bank National Associat has approved 648 SBA 7(a) loans totaling $226.2M since 2020. Their average loan size is $349K.
What states does CenTrust Bank, A Division of SmartBiz Bank National Associat serve?
CenTrust Bank, A Division of SmartBiz Bank National Associat serves businesses in 46 states: Alaska, Alabama, Arizona, California, Colorado, Connecticut, Washington D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin.
How do I apply for an SBA loan with CenTrust Bank, A Division of SmartBiz Bank National Associat?
To apply for an SBA 7(a) loan with CenTrust Bank, A Division of SmartBiz Bank National Associat, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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