CenTrust Bank, A Division of SmartBiz Bank National Association
- Loans
- 4
- Approved
- $2M
- Median deal
- $500,500
- Median rate
- 10.50%
#219 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 1 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 13 |
| FY2021 | 3 |
| FY2022 | 4 |
| FY2023 | 6 |
| FY2024 | 5 |
| FY2025 | 3 |
| FY2026 (partial year, through June 30, 2026) | 1 |
How they lend
Across 4 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 35 (2.8%)Other purposes 1,209 (97.2%)
Their full 7(a) book since FY2020 is 1,244 loans. Every other figure on this page counts the 35 acquisition loans only.
Initial rate structure
Variable 100.00%Fixed 0.00%
- Middle half of rates
- 10.31% to 10.63%
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 100.00% of loans
- Franchise loans
- 0.00% of loans
Processing method
| Preferred Lenders Program | 100.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 4 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Wholesale Trade | 50.00% | |
| Accommodation and Food Services | 25.00% | |
| Retail Trade | 25.00% |
Deal size mix
Under $350K 0.00%$350K to $1M 100.00%$1M to $3.5M 0.00%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
CenTrust Bank, A Division of SmartBiz Bank National Association: SBA acquisition lending, answered
Does CenTrust Bank, A Division of SmartBiz Bank National Association make SBA acquisition loans?
Yes. CenTrust Bank, A Division of SmartBiz Bank National Association was approved for 35 SBA 7(a) change-of-ownership loans since FY2020, including 4 in FY2025 to FY2026 Q3. That ranks it #219 of 249 acquisition lenders by loan count in that window. Acquisitions are 2.8% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does CenTrust Bank, A Division of SmartBiz Bank National Association charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 10.50%, against a national median of 9.25%. Half of them started between 10.31% and 10.63%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are CenTrust Bank, A Division of SmartBiz Bank National Association's SBA acquisition loans?
The median deal was $500,500, against a national median of $709,300. In total it has approved $2M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
What kinds of businesses does CenTrust Bank, A Division of SmartBiz Bank National Association finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Wholesale Trade and Accommodation and Food Services. 0.00% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
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Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for CenTrust Bank, A Division of SmartBiz Bank National Association. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.