About Us

Centrust Bank, a division of SmartBiz Bank, N.A., is a Chicago-based community bank dedicated to serving small to medium-sized businesses with a strong focus on business lending. We offer a full suite of commercial banking solutions, including conventional and SBA loan products, to help entrepreneurs secure the capital they need to grow and thrive.

 

We understand entrepreneurship because we are entrepreneurs ourselves. Our team of experienced commercial bankers delivers customized financial solutions and deep industry expertise, ensuring our clients have the tools and capital necessary to successfully scale their businesses. With deep industry expertise, we offer more than just banking: We connect clients with valuable professional resources in accounting, wealth management, insurance, and legal services.

 

We also prioritize personal relationships. Our bankers meet clients face-to-face, extend business hours for convenience, and ensure direct access to decision-makers for fast loan approvals. This hands-on approach makes Centrust Bank a trusted financial partner and a truly unique, full-service community bank.

 

In 2025, SmartBiz Loans acquired United Community Bancshares, Inc. and its wholly-owned subsidiary, Centrust Bank, N.A. The combined company, now operating as SmartBiz Bank, N.A, is operating under the bank holding company, SmartBiz Bancshares, Inc. Centrust Bank’s core mission remains unchanged: providing personalized, high-quality banking services to small business owners and entrepreneurs.

 

As a part of SmartBiz Bank, we’ve enhanced our capabilities by combining our relationship-driven banking approach with SmartBiz’s innovative, technology-powered SBA lending platform. This complementary union allows us to expand our reach and impact, providing robust banking and lending services for current and future small business owners nationwide.

 

We look forward to the opportunity to assist you.