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Centrust Blog

Why Banking Local Matters for Your Small Business

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Operations
October 08, 2026

How Chicago Small Businesses May Build Year-End Momentum

The final months of the year are often some of the busiest and most important months for Chicago small businesses. Holiday shopping, seasonal events, year-end business... Read More
Business Loans
October 01, 2026

Why Local Market Knowledge May Matter in SBA Lending

An SBA loan application includes plenty of numbers. Revenue, cash flow, debt obligations, projections and collateral may all play a role in evaluating a financing request. Read More
Business Loans
September 24, 2026

How SBA Loans Are Built for Sustainable Growth

Small business owners often measure growth in revenue, new customers, new locations, and additional employees. However, for small businesses, growing quickly isn’t always the... Read More
Business Loans
September 17, 2026

5 Surprising Ways Business Owners Are Using SBA Loans

When many business owners hear about Small Business Administration (SBA) loans, they often think about major purchases, such as buying another piece of commercial real estate... Read More
Business Loans
September 10, 2026

How One Loan May Impact an Entire Community

On the surface, a small business loan may look like a single transaction that takes place between a lender and a small-business owner. However, that single transaction has... Read More
Money Management
September 03, 2026

Organizing Your Financials: A Checklist for Success

Running a business means keeping track of a lot more than sales and expenses. Bank statements, invoices, payroll records, tax documents, financial statements, and vendor... Read More
Business Loans
August 27, 2026

Avoid These Common Errors When Working With a Local Lender

Working with a local lender provides business owners an opportunity to create a long-lasting professional relationship. A lender who understands your business, market, and... Read More
Business Loans
August 20, 2026

Why Local Lenders Look Beyond the Paperwork

When you apply for a small business loan, there are plenty of documents that you will have to complete. Whether they’re submitted digitally or on paper, financial statements,... Read More
Business Loans
August 13, 2026

How to Prepare for Your First SBA Loan Application

SBA loans are widely viewed as a leading financing option, thanks largely to their extended repayment terms, competitive interest rates, and borrower-friendly features.... 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.