CenTrust Bank, A Division of SmartBiz Bank National Association: SBA Lending Record

What SBA's own loan files show about CenTrust Bank, A Division of SmartBiz Bank National Association as an SBA lender, and how a lender's record bears on a feasibility study.

CenTrust Bank, A Division of SmartBiz Bank National Association: the SBA record

1,483 approved loans sit against CenTrust Bank, A Division of SmartBiz Bank National Association in FY2017 to FY2026 files, $459.4 million gross. CenTrust Bank, A Division of SmartBiz Bank National Association is recorded by SBA in Illinois. The 1,483 loans count as holdings: SBA names CenTrust Bank, A Division of SmartBiz Bank National Association as holder or last holder. 1,483 loans sit under SBA 7(a). CenTrust Bank, A Division of SmartBiz Bank National Association has 0 under SBA 504. CenTrust Bank, A Division of SmartBiz Bank National Association's last year, FY2026, is complete. 1,483 loans, $459.4 million gross: that is CenTrust Bank, A Division of SmartBiz Bank National Association's whole record. Behind the 1,483 loans stands SBA's guarantee, not CenTrust Bank, A Division of SmartBiz Bank National Association's, so read holdings and not policy.

1,231 loans among CenTrust Bank, A Division of SmartBiz Bank National Association's 1,483 carry no named class. CenTrust Bank, A Division of SmartBiz Bank National Association lists these classes: Limited-service restaurant, 48; Full-service restaurant (41); Automotive mechanical repair (car and truck) at 27; Beauty salon at 19; Dental office (16); Fitness center (15); Grocery store (12); Medical office (physicians) (9); Child care center (9); Caterers (includes banquet halls with catering staff) at 8; Rehabilitation and therapy clinic (7); Assisted living (without nursing care), 6. Of 1,483 loans, 1,231 are unclassed and 48 are Limited-service restaurant. A class view of CenTrust Bank, A Division of SmartBiz Bank National Association spans part of 1,483. 41 Full-service restaurant loans trail 48 Limited-service restaurant at CenTrust Bank, A Division of SmartBiz Bank National Association.

CenTrust Bank, A Division of SmartBiz Bank National Association: where the loans sit

CenTrust Bank, A Division of SmartBiz Bank National Association shows these states: California at 218; Illinois (212); Florida (166); Texas (121); New York (82); Colorado (43); Georgia, 43; Virginia, 42; Washington, 40; North Carolina at 39; Pennsylvania at 34; Wisconsin, 33. CenTrust Bank, A Division of SmartBiz Bank National Association is recorded in Illinois, which does not head this table. California alone holds 218 of CenTrust Bank, A Division of SmartBiz Bank National Association's 1,483 loans. CenTrust Bank, A Division of SmartBiz Bank National Association's table maps 1,483 loans, no boundary for sites beyond California.

CenTrust Bank, A Division of SmartBiz Bank National Association: the floors

FY2017 to FY2024 approvals: 8.0% cancelled after approval, a floor. On CenTrust Bank, A Division of SmartBiz Bank National Association's file, the high-side rate stays off the page. This rate adds not-yet-funded loans as cancelled. Loan Analytics' small-group policy leaves it unprinted for small groups. Do not mistake the blank for zero; nothing is inferred. At CenTrust Bank, A Division of SmartBiz Bank National Association, no charge-off rate appears for disbursements between FY2017 and FY2021. The Loan Analytics standard withholds it for groups this small. It would be wrong to read it as zero; no number fills it. CenTrust Bank, A Division of SmartBiz Bank National Association's 8.0% floor means approval is not funding. CenTrust Bank, A Division of SmartBiz Bank National Association: no rate, cash flow must hold. For CenTrust Bank, A Division of SmartBiz Bank National Association, test one is site demand. At CenTrust Bank, A Division of SmartBiz Bank National Association, test two is full project cost. For CenTrust Bank, A Division of SmartBiz Bank National Association, test three is debt service coverage. For CenTrust Bank, A Division of SmartBiz Bank National Association, test four is the appraisal.

CenTrust Bank, A Division of SmartBiz Bank National Association's file hands a lender 1,483 loans and $459.4 million gross. CenTrust Bank, A Division of SmartBiz Bank National Association's file hands a borrower 1,483 holdings and no terms. Nothing in CenTrust Bank, A Division of SmartBiz Bank National Association's 1,483 loans predicts its answer to a request. 48 Limited-service restaurant loans come first. CenTrust Bank, A Division of SmartBiz Bank National Association's record stops at holdings. For CenTrust Bank, A Division of SmartBiz Bank National Association, bring a self-standing study. CenTrust Bank, A Division of SmartBiz Bank National Association is shown as holder of 1,483 loans, no more.

SBA loans held by CenTrust Bank, A Division of SmartBiz Bank National Association

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY20261,483
Gross dollars approved$459.4 million
SBA 7(a) loans1,483
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)8.0%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes1,231
Limited-service restaurant48
Full-service restaurant41
Automotive mechanical repair (car and truck)27
Beauty salon19
Dental office16
Fitness center15
Grocery store12
Medical office (physicians)9
Child care center9
Caterers (includes banquet halls with catering staff)8
Rehabilitation and therapy clinic7
Assisted living (without nursing care)6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58158.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by CenTrust Bank, A Division of SmartBiz Bank National Association or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Request Scope & Timeline

Start with the data.

Contact Us