{"citation":"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/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/centrust-bank-a-division-of-smartbiz-bank/california/","title":"CenTrust Bank, A Division of SmartBiz Bank SBA loans in California","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"}],"data":{"window":{"id":"all","from":"2019-10-01","to":"2026-06-30"},"state":{"code":"CA","name":"California"},"lender":{"name":"CenTrust Bank, A Division of SmartBiz Bank","url":"/sba-express-lenders/centrust-bank-a-division-of-smartbiz-bank/","regulator_status":"active"},"loans":177,"dollars_approved":35255000,"measures":{"share_of_all_loans_pct":{"state":0.455,"national":0.346,"reading":"No clear gap"},"median_loan":{"state":150000,"national":150000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":150000,"p75":265000},"national":{"p25":150000,"p75":302500}},"startup_pct":{"state":0.0,"national":1.9,"reading":"No clear gap"},"new_pct":{"state":0.0,"national":1.5,"reading":"No clear gap"},"existing_pct":{"state":100.0,"national":93.9,"reading":"Clearly higher"},"ownership_pct":{"state":0.0,"national":2.8,"reading":"No clear gap"},"express_pct":{"state":0.0,"national":0.0,"reading":"n/a"},"loc_pct":{"state":0.0,"national":0.0,"reading":"n/a"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":4.5,"national":4.5}},"clear_gaps":["existing"],"top_industries":{"Limited-Service Restaurants":9,"Residential Remodelers":9,"General Automotive Repair":6,"Offices of Dentists":6,"Insurance Agencies and Brokerages":5},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials. Spread over Prime is the rate at approval minus Prime that day, not today's rate."}}