FAIR
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
749
2015–2026
Total Volume
$322M
Gross loan amounts
States Active
46
With recorded loans
Programs
7(a)
749 total segments
CenTrust Bank focuses heavily on existing businesses, with 85% of their deals going to this category. If you're an established business looking for financing, this lender is well-suited for you.
With an average deal size of $429,288 and a significant number of smaller deals (389 under $150K), CenTrust Bank is a good option for borrowers seeking smaller loans, but those needing larger amounts may find better options elsewhere.
CenTrust Bank has seen a remarkable growth trend, with a 4408% increase in deals year-over-year. This suggests they are actively expanding their lending capacity, making them a potentially reliable choice for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 46 states where CenTrust Bank, A Division of SmartBiz Bank National Associat has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Management & IT Consulting
Professional Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Building Construction
Construction
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for CenTrust Bank, A Division of SmartBiz Bank National Associat, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Manufacturing · $500K – $1M | 7(a) | 10 | P+2.75% | $722K | Q4 2022 |
| Illinois · Manufacturing · $1M – $2M | 7(a) | 7 | P+2.75% | $1.7M | Q4 2024 |
| Illinois · Restaurants & Food Service · $2M – $5M | 7(a) | 7 | P+2.50% | $2.8M | Q2 2024 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.75% | $232K | Q1 2022 |
| Illinois · Manufacturing · $2M – $5M | 7(a) | 6 | P+2.75% | $2.5M | Q4 2023 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+3.00% | $694K | Q3 2024 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+4.50% | $144K | Q4 2025 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+5.25% | $140K | Q4 2025 |
| Florida · Wholesale Trade · Under $150K | 7(a) | 6 | P+4.50% | $150K | Q4 2025 |
| California · Other Health Practitioners · Under $150K | 7(a) | 5 | P+4.50% | $136K | Q4 2025 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+3.00% | $309K | Q4 2025 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+4.50% | $140K | Q4 2025 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $289K | Q4 2023 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+4.50% | $127K | Q4 2025 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 4 | P+4.75% | $143K | Q4 2025 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+3.00% | $286K | Q4 2025 |
| Illinois · Auto Repair & Maintenance · $500K – $1M | 7(a) | 4 | P+2.75% | $740K | Q4 2021 |
| Illinois · Transportation & Warehousing · $500K – $1M | 7(a) | 4 | P+2.13% | $615K | Q3 2022 |
| Illinois · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 4 | P+3.00% | $243K | Q4 2025 |
| Illinois · Manufacturing · $350K – $500K | 7(a) | 4 | P+3.00% | $432K | Q4 2024 |
| California · Management & IT Consulting · Under $150K | 7(a) | 4 | P+5.13% | $150K | Q4 2025 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+4.63% | $138K | Q4 2025 |
| Florida · Legal Services · Under $150K | 7(a) | 4 | P+5.13% | $134K | Q4 2025 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+4.63% | $75K | Q4 2025 |
| Florida · Management & IT Consulting · Under $150K | 7(a) | 4 | P+4.50% | $138K | Q4 2025 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with CenTrust Bank, A Division of SmartBiz Bank National Associat.
No reviews yet. Be the first to review CenTrust Bank, A Division of SmartBiz Bank National Associat.