SBA lender profile
CenTrust Bank, A Division of SmartBiz Bank National Association
CenTrust Bank, A Division of SmartBiz Bank National Association appears in the public SBA loan data with 1,115 funded 7(a) loans since FY2010, totaling $401.4M, an average of $360K per loan, and an estimated 7,192 jobs supported. Its SBA lending concentrates in Illinois and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 0.3%. 81.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 96
- Scale 90
- Activity 88
- Consistency 66
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is CenTrust Bank, A Division of SmartBiz Bank National Association the right lender for you?
Lenders fund what they know. CenTrust Bank, A Division of SmartBiz Bank National Association's SBA lending concentrates in Illinois (218 loans) and Accommodation and Food Services (102 loans), at an average loan of $360K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where CenTrust Bank, A Division of SmartBiz Bank National Association lends
Top states by funded SBA volume.
Metro areas where CenTrust Bank, A Division of SmartBiz Bank National Association funds
What CenTrust Bank, A Division of SmartBiz Bank National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 102 | $60.0M |
| Construction | 193 | $53.8M |
| Manufacturing | 87 | $50.3M |
| Professional and Technical Services | 174 | $44.7M |
| Other Services | 112 | $41.0M |
| Retail Trade | 93 | $31.9M |
CenTrust Bank, A Division of SmartBiz Bank National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2015 | 2 | $851K |
| 2016 | 28 | $19.9M |
| 2017 | 18 | $10.7M |
| 2018 | 24 | $31.7M |
| 2019 | 29 | $32.1M |
| 2020 | 30 | $35.9M |
| 2021 | 21 | $14.1M |
| 2022 | 23 | $31.2M |
| 2023 | 14 | $13.3M |
| 2024 | 16 | $22.4M |
| 2025 | 334 | $71.4M |
| 2026 | 576 | $117.9M |
Related SBA lenders
Other lenders active in Illinois or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
CenTrust Bank, A Division of SmartBiz Bank National Association: frequently asked questions
Does CenTrust Bank, A Division of SmartBiz Bank National Association offer SBA loans?
Yes. CenTrust Bank, A Division of SmartBiz Bank National Association appears in the public SBA data with 1,115 funded SBA 7(a) loans totaling $401.4M.
How many SBA loans has CenTrust Bank, A Division of SmartBiz Bank National Association made?
CenTrust Bank, A Division of SmartBiz Bank National Association is associated with 1,115 SBA 7(a) loans totaling $401.4M in the public SBA data (as of 2026-03-31).
What is CenTrust Bank, A Division of SmartBiz Bank National Association's SBA charge-off rate?
About 0.3% of CenTrust Bank, A Division of SmartBiz Bank National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does CenTrust Bank, A Division of SmartBiz Bank National Association do most of its SBA lending?
CenTrust Bank, A Division of SmartBiz Bank National Association's SBA lending in the data is most concentrated in Illinois, and by industry in Accommodation and Food Services.
Is CenTrust Bank, A Division of SmartBiz Bank National Association an SBA Preferred Lender (PLP)?
The loan record shows CenTrust Bank, A Division of SmartBiz Bank National Association operating under PLP delegated authority: 911 of its 7(a) loans (81.7%) were processed through the Preferred Lenders Program, including 911 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). CenTrust Bank, A Division of SmartBiz Bank National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/centrust-bank-a-division-of-smartbiz-bank-national-association/
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