CenTrust Bank, A Division of SmartBiz Bank National Associat
Headquartered in Northbrook, IL. Analysis based on 648 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $226.2M.
Total 7(a) loans
648
Total approved
$226.2M
Average loan
$349K
States funded in
46
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
46.59%
Average rate
10.88%
Average term
130 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236118 | Residential Remodelers | 29 |
| 722513 | Limited-Service Restaurants | 27 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 19 |
| 811111 | General Automotive Repair | 18 |
| 238990 | All Other Specialty Trade Contractors | 17 |
| 722511 | Full-Service Restaurants | 17 |
| 812113 | Nail Salons | 16 |
| 541990 | All Other Professional, Scientific, and Technical Services | 13 |
| 524210 | Insurance Agencies and Brokerages | 12 |
| 541511 | Custom Computer Programming Services | 10 |
Top 10 states
| State | Loans |
|---|---|
| IL | 110 |
| CA | 88 |
| FL | 70 |
| TX | 45 |
| NY | 40 |
| VA | 24 |
| GA | 23 |
| NC | 21 |
| WI | 19 |
| AZ | 15 |
Top franchise brands financed
29 franchise loans across 25 distinct brands.
| Franchise | Loans |
|---|---|
| Little Caesars | 3 |
| Auntie Anne's | 2 |
| Pet Supplies Plus | 2 |
| The Dog Stop | 1 |
| Bar-B-Clean | 1 |
| Ductz | 1 |
| Signarama | 1 |
| Speed Queen | 1 |
| Alair Homes | 1 |
| ServiceMaster | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.