{"citation":"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/ 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/illinois/","title":"CenTrust Bank, A Division of SmartBiz Bank SBA loans in Illinois","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":"IL","name":"Illinois"},"lender":{"name":"CenTrust Bank, A Division of SmartBiz Bank","url":"/sba-express-lenders/centrust-bank-a-division-of-smartbiz-bank/","regulator_status":"active"},"loans":126,"dollars_approved":111374700,"measures":{"share_of_all_loans_pct":{"state":1.083,"national":0.346,"reading":"Clearly higher"},"median_loan":{"state":488000,"national":150000,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":209250,"p75":1322250},"national":{"p25":150000,"p75":302500}},"startup_pct":{"state":12.7,"national":1.9,"reading":"Clearly higher"},"new_pct":{"state":5.6,"national":1.5,"reading":"No clear gap"},"existing_pct":{"state":60.3,"national":93.9,"reading":"Clearly lower"},"ownership_pct":{"state":21.4,"national":2.8,"reading":"Clearly higher"},"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":3.0,"national":4.5}},"clear_gaps":["existing","size","share"],"top_industries":{"Limited-Service Restaurants":8,"All Other Specialty Trade Contractors":6,"Full-Service Restaurants":6,"Beauty Salons":5,"Landscaping Services":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."}}