CenTrust Bank, A Division of SmartBiz Bank SBA loans in California
Short answer
SBA's loan file shows CenTrust Bank, A Division of SmartBiz Bank made 177 SBA loans in California since October 2019. All of them went to businesses more than two years old, against 93.9% of its loans nationally.
- SBA loans, Oct 2019 to Jun 2026
- 177
- median loan
- $150,000
- dollars approved
- $35.26M
- went to firms over 2 years old
- 100.0%
This site is not CenTrust Bank, A Division of SmartBiz Bank
sbaexpress.loans is not CenTrust Bank, A Division of SmartBiz Bank, and CenTrust Bank, A Division of SmartBiz Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from CenTrust Bank, A Division of SmartBiz Bank.
These are the 177 SBA 7(a) loans CenTrust Bank, A Division of SmartBiz Bank made in California approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other.
How CenTrust Bank, A Division of SmartBiz Bank differs in California
What this means for you. Most of these loans went to businesses with more than two years of history, so an operating record is what CenTrust Bank, A Division of SmartBiz Bank usually saw.
Established businesses
All 177 loans in California went to businesses more than two years old, against 93.9% of its loans nationally.
We compared 7 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure.
California next to the U.S.
| Measure | California | All its U.S. loans | Reading |
|---|---|---|---|
| Lender's share of all SBA loans | 0.46% | 0.35% | No clear gap |
| Median loan | $150,000 | $150,000 | No clear gap |
| Middle half of loans | $150,000 to $265,000 | $150,000 to $302,500 | – |
| Startups (the loan opens the business) | 0.0% | 1.9% | No clear gap |
| In business 2 years or less | 0.0% | 1.5% | No clear gap |
| In business more than 2 years | 100.0% | 93.9% | Clearly higher |
| Change of ownership | 0.0% | 2.8% | No clear gap |
| SBA Express | 0.0% | 0.0% | n/a |
| Lines of credit | 0.0% | 0.0% | n/a |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 4.5 points over Prime | 4.5 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
What CenTrust Bank, A Division of SmartBiz Bank lends to in California
The 5 industries below account for 35 of the 177 loans approved October 2019 to June 2026, or 19.8%. An industry is listed when it has 5 or more of them, five at most.
| Industry | Loans | Share here | U.S. share |
|---|---|---|---|
| Limited-Service Restaurants | 9 | 5.1% | 3.3% |
| Residential Remodelers | 9 | 5.1% | 5.4% |
| General Automotive Repair | 6 | 3.4% | Not in top 5 |
| Offices of Dentists | 6 | 3.4% | Not in top 5 |
| Insurance Agencies and Brokerages | 5 | 2.8% | Not in top 5 |
Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries.
CenTrust Bank, A Division of SmartBiz Bank in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| Illinois | 126 |
Other lenders in California
Other lenders in California with a clear difference from the national pattern, most loans first.
| Lender | Loans since October 2019 |
|---|---|
| The Huntington National Bank | 1,484 |
| Northeast Bank (Portland, ME) | 1,093 |
| Bank of Hope | 910 |
| Bank of America | 866 |
| Harvest Small Business Finance, LLC | 852 |
| Enterprise Bank & Trust | 560 |
| East West Bank | 527 |
| Zions Bank | 519 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: CenTrust Bank, A Division of SmartBiz Bank SBA loans in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/centrust-bank-a-division-of-smartbiz-bank/california/
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