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Why Banking Local Matters for Your Small Business
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Money Management
March 05, 2026

Refinancing for Flexibility: How Better Terms Support Stability

Financial pressure isn’t always directly related to a lack of revenue. In many cases, it stems from how your company manages debt while trying to sustain growth. High monthly... 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
Money Management
November 13, 2025

How Local Businesses May Strengthen Cash Flow Before Year-End

Managing cash flow is crucial throughout the year, but especially toward the end. Why? Because it's your year-end cash flow statements that lenders look at when determining... Read More
Money Management
October 23, 2025

How to Create a Financial Plan for Your Growing Business

As your business grows, so does the complexity of your finances. What started as a simple monthly budget may no longer be enough to guide hiring decisions, capital... Read More
Money Management
July 02, 2025

Why You Should Separate Your Business and Personal Banking

If you’re a business owner, whether you’re just getting started or managing a mature company, typically one of the smartest financial moves you can make is to separate your... Read More
Money Management
June 18, 2025

How to Build Business Credit and Why it Matters

If you're a small business owner in Chicago, you already know how important it is to build relationships - with your customers, your community, and yes, even your bank. But... 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.