Geography · SBA lending record
SBA lenders in North Carolina
5,453 SBA 7(a) loans in the last five years, from 199 different lenders. Here is who actually lends here.
Loans, last 5 years
5,453
Lent
$3779.7M
last 5 fiscal years
Active lenders
199
wrote at least one loan
Typical loan
$324k
median approved
Default rate
1.8%
nationally 2.1%
Who lends here most
last 5 fiscal years| Lender | Loans in NC | Typical loan | Typical rate |
|---|---|---|---|
| Live Oak Banking Company | 426 | $682k | P+1.73 |
| The Huntington National Bank | 404 | $315k | P+2.48 |
| Wells Fargo Bank National Association | 340 | $15k | P+5.38 |
| Readycap Lending, LLC | 237 | $70k | P+4.60 |
| Northeast Bank | 193 | $96k | P+3.05 |
| Newtek Bank, National Association | 188 | $220k | P+3.50 |
| BayFirst National Bank | 169 | $150k | P+4.13 |
| TD Bank, National Association | 161 | $60k | P+3.62 |
| Pinnacle Bank | 160 | $696k | P+1.80 |
| United Midwest Savings Bank National Association | 149 | $150k | P+2.75 |
Volume is not quality — but a lender who does hundreds of deals in your state knows your market, and probably your industry too.
What gets funded here
by industryHow big the loans are
If your need sits in a band that barely exists here, widen your search to national lenders rather than assuming nobody will do it.
Next
Compare all lenders → Check your eligibility → Find your industry →
Source SBA 7(a) FOIA
Released 2026-06-30
Basis where the project is, not where the bank is
SBA lending in other states
Washington · 6,559Colorado · 6,188Massachusetts · 6,053Minnesota · 5,915Arizona · 4,645Indiana · 4,582Virginia · 4,085Utah · 4,078
States with comparable volume, plus the three largest markets.