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Centrust Blog

Why Banking Local Matters for Your Small Business
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  • business loans

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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
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
Business Loans
July 02, 2026

The Advantage of Working With a Chicago-Based SBA Lender

Small business owners in Chicagoland know that growth rarely happens in a straight line. A restaurant may need to expand into a second location. A manufacturer may need new... Read More
Business Loans
June 25, 2026

From Tenant to Owner: Financing Your First Commercial Property

For many small business owners, leasing a space is usually the most effective way to get started. Paying monthly rent may be more affordable than taking out a mortgage that... Read More
Business Loans
May 28, 2026

Applying Before You Need It: A Smarter Way to Fund Growth

Many business owners make the mistake of waiting until they urgently need funding before they apply for it. This typically not only results in strained cash flow, but it may... Read More
Business Loans
May 21, 2026

How Strong Local Relationships May Help You Get Funded Faster

Contrary to popular belief, loan application decisions aren't always based only on numbers and paperwork. For many small business owners, relationships with their local... 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.