CenTrust Bank, A Division of SmartBiz Bank SBA loans in Illinois
Short answer
SBA's loan file shows CenTrust Bank, A Division of SmartBiz Bank made 126 SBA loans in Illinois since October 2019. 60.3% went to businesses more than two years old, against 93.9% of its loans nationally. The median loan was $488,000, 3.3 times its national median of $150,000.
- SBA loans, Oct 2019 to Jun 2026
- 126
- median loan
- $488,000
- dollars approved
- $111.37M
- went to firms over 2 years old
- 60.3%
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 126 SBA 7(a) loans CenTrust Bank, A Division of SmartBiz Bank made in Illinois 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 Illinois
What this means for you. Younger businesses got a bigger share of these loans here than elsewhere.
Established businesses
60.3% of the loans in Illinois went to businesses more than two years old, against 93.9% of its loans nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $488,000 in Illinois, 3.3 times its national median of $150,000.
The middle half of loans in Illinois ran from $209,250 to $1,322,250. For all its loans the middle half ran from $150,000 to $302,500.
Share of the state's loans
CenTrust Bank, A Division of SmartBiz Bank made 1.1% of the SBA loans approved in Illinois since October 2019, against 0.35% of loans nationwide. Its share here is 3.1 times its national share.
We compared 7 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table.
Illinois next to the U.S.
| Measure | Illinois | All its U.S. loans | Reading |
|---|---|---|---|
| Lender's share of all SBA loans | 1.1% | 0.35% | Clearly higher |
| Median loan | $488,000 | $150,000 | Clearly higher |
| Middle half of loans | $209,250 to $1,322,250 | $150,000 to $302,500 | – |
| Startups (the loan opens the business) | 12.7% | 1.9% | Clearly higher |
| In business 2 years or less | 5.6% | 1.5% | No clear gap |
| In business more than 2 years | 60.3% | 93.9% | Clearly lower |
| Change of ownership | 21.4% | 2.8% | Clearly higher |
| 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 | 3 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 Illinois
The 5 industries below account for 30 of the 126 loans approved October 2019 to June 2026, or 23.8%. 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 | 8 | 6.3% | 3.3% |
| All Other Specialty Trade Contractors | 6 | 4.8% | 2.7% |
| Full-Service Restaurants | 6 | 4.8% | 2.8% |
| Beauty Salons | 5 | 4.0% | Not in top 5 |
| Landscaping Services | 5 | 4.0% | 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 |
|---|---|
| California | 177 |
Other lenders in Illinois
Other lenders in Illinois with a clear difference from the national pattern, most loans first.
| Lender | Loans since October 2019 |
|---|---|
| Live Oak Banking Company | 252 |
| Fifth Third Bank | 172 |
| Bank of America | 136 |
| Wells Fargo Bank | 54 |
| BMO Bank | 52 |
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 Illinois. 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/illinois/
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