Value proposition

We’re a full-service commercial bank on a mission to empower small businesses to thrive.

SmartBiz Bank provides a range of technology-enabled banking solutions for small businesses.

What We Do
Evolving from SmartBiz Loans, a leading provider of small business loans, SmartBiz Bank offers a broad range of business banking solutions to small businesses across the U.S. – solutions built specifically to serve the dynamic needs of entrepreneurs and foster the growth of the small business community. SmartBiz Bank’s commitment to transparency and personalized customer service offers an unparalleled banking experience, ensuring small businesses have the financial services they need to grow and thrive.

Who We Are
We’re a diverse and distributed team of technologists with a long list of passions (we’re finance geeks and musicians, sports fans and foodies, travelers and writers) and a single shared mission: to empower small businesses to thrive by enabling access to the financial services they need. We know entrepreneurs' dreams fuel our economy, create millions of jobs, and ensure a better economic future for us all. That’s why we’ve come together to dedicate our time and talents to helping them grow.

How We Got Here
In March 2025, SmartBiz announced the closing of its acquisition of United Community Bancshares, Inc. and its wholly-owned subsidiary, Centrust Bank, N.A. The combined company, renamed SmartBiz Bank, N.A., will operate under the bank holding company, SmartBiz Bancshares, Inc. This transaction received regulatory approval from the Office of the Comptroller of the Currency (OCC) and the Federal Reserve Bank of Chicago.

Where We Are
Headquartered in Chicago, IL, with administrative offices in Austin, TX and San Francisco, CA, we have a thriving work-from-anywhere culture. For more information, please visit smartbizbank.com.

If you’re as passionate about empowering America’s small business owners as we are, let’s talk.

Member FDIC