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Centrust Blog

Why Banking Local Matters for Your Small Business

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Business Loans
January 22, 2026

Funding Tips for Chicago Retailers Starting the Year Strong

Chicago has the third-largest economy in the United States, thanks in large part to the thriving retail sector. Additionally, the Windy City’s economy ranks in the top 25 on... Read More
Money Management
January 15, 2026

Five Ways To Strengthen Your Financial Strategy

Centrust Bank, a division of SmartBiz Bank, N.A., offers more than basic banking products. Our accounts, cards, and digital tools can help business owners take a more... Read More
Business Loans
January 08, 2026

The Small Business Loan Options Local Owners Should Know This Year

Small business loans are critical to a company’s growth. They may be used for a variety of purposes, including equipment or inventory purchases, expansion, and working... Read More
Business Loans
December 24, 2025

What’s the Best Loan for My Business? A Quick Comparison

Owning your own business often feels like a dream come true. You work hard to keep growing your business by adding new inventory, modernizing your operations, or expanding to... Read More
Centrust Community
December 18, 2025

The Morning Blend: New Years Goals for Local Business Owners

A new year brings a fresh opportunity for small business owners to pause, reflect and set meaningful goals for the months ahead. On the latest Morning Blend segment, Centrust... Read More
December 11, 2025

Planning for Expansion Funding Strategies for 2026

Expansion is often one of the most exciting times for a small business, but trepidation is natural. 2026 will likely have some headwinds, particularly in terms of inflation,... Read More
Business Banking
December 05, 2025

How to Choose the Right Bank for Your Small Business

Running a small business is much easier when you separate personal and business finances. You may even want to set up these accounts at separate banks to keep everything... Read More
Operations
November 27, 2025

Setting Business Goals That Build Long-Term Community Impact

Taking time to set smart business goals does much more than push your company forward; it also shapes the community around you. In this guide, you'll learn how to create... Read More
Operations
November 20, 2025

How Small Businesses Are Using AI to Save Time

In the past, small business owners spent hours each week answering emails, balancing their budgets, managing their calendars, brainstorming ideas, and performing other basic... Read More

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1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and happens after your application is in the funding process and matched with a lender who is likely to fund your loan

2. Numbers based on internal reporting and metrics

3. Based on FY2020 SBA loans data released by the SBA for SBA 7(a) loans under $350,000

4. This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only, loan sizes, interest rates, and loan terms vary and are determined by the applicant's credit profile.