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Centrust Blog

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February 26, 2026

When Outdated Equipment Becomes a Growth Bottleneck

As your business grows, you’ll find yourself needing new tools and technology. Equipment that is slow, unreliable, or no longer aligned with current demands can reduce... Read More

February 19, 2026

Why Relationship-Based Lending may be the Right Choice for Your Business

Obtaining funding for your small business generally requires financial evaluation, mountains of paperwork, and other forms of red tape that can turn it into a tedious... Read More

Centrust Community

February 12, 2026

The Morning Blend: Timing Your Large SBA Loan the Smart Way

On this month's Morning Blend, Tom Meyer, Executive Vice President of Community SBA Lending at Centrust Bank, shared valuable insights into a question every growing business... Read More

February 05, 2026

How Growth Capital Supports Buildouts, Renovations, and Relocations

Physical space directly affects how your business operates. When a company outgrows its current space or needs to modernize, the cost of making a change can be substantial... Read More

January 29, 2026

How to Choose the Best Loan Product Based on Your Local Market

Every business owner knows that access to capital is essential for growth, but choosing the right loan product isn’t just about the size of the loan or the interest rate.... Read More

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

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

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

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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.