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SBA LOANS

Buy, Grow, or Expand Your Business

Find out if you pre-qualify fast, free,
and with no obligation.1

See if you pre-qualify
Buy grow a business

Why an SBA Loan Might Be Right for You

Whether purchasing an existing business, buying commercial property, expanding operations, or buying out a business partner, an SBA loan from Centrust Bank gives you the confidence to move forward with expert support and favorable terms.

PQ-Centrust

Fast and free to see if you pre-qualify

No Credit Check Centrust

No credit check required until formal application1

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Get insight into your SBA loan eligibility

Apply Now

Designed to Help You Succeed

Simplified Process

Our streamlined application process eliminates unnecessary steps, enabling applicants to access funding quickly and efficiently.

Lower Monthly Payments

SBA loans often offer competitive rates and longer terms than conventional loans, helping you protect your cash flow and reach profitability faster.

Flexible Down Payment Options

Preserve working capital with low or no down payments. SBA loans can be combined with other financing to keep your business moving.

Get Started

How SBA Loans Support Your Business Goals

Business Acquisition
Commercial Real Estate Purchase
Business Expansion

Business Acquisition

Looking to buy an established, revenue-generating business or buy out your business partner for your existing business? An SBA 7(a) loan can help you:

  • Minimize upfront costs with low collateral requirements
  • Access longer repayment terms
  • Retain working capital for operations

It’s a smart time to invest in a strong business with growth potential.

Commercial Real Estate Purchase

Whether you want to own the space you operate in or expand, an SBA 7(a) loan can help you:

  • Purchase or refinance owner-occupied property
  • Lock in long-term financing
  • Build equity in your location

 

Business Expansion

Ready to scale? Use SBA funds to:

  • Open new locations
  • Purchase equipment or inventory
  • Buy out a competitor
  • Hire and grow with flexible working capital
Centrust Bank Team 2024

Is an SBA loan right for you?

See if you pre-qualify

Why Choose Centrust Bank?

We specialize in helping small business owners like you move forward with confidence.When you work with Centrust Bank, you get:

A dedicated team that takes time to understand your goals
Financing strategies tailored to your growth plans
Personal support and responsive, relationship-based lending

1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and 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 may impact your credit score.

©2025 SmartBiz Bank, N.A.. SmartBiz, SmartBiz Loans, SBA Loans Made Easy, SmartBiz Advisor, along with the SmartBiz and SmartBiz Advisor logos are registered trademarks or service marks of SmartBiz Bank, N.A.. All rights reserved.

For discussion and general informational purposes only. All financing is subject to credit approval and determination of SBA eligibility by SmartBiz Bank and lenders in the SmartBiz network. Additional collateral may be required.

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