How many SBA lenders are in North Carolina?

There are 16 SBA-approved lenders headquartered in North Carolina, plus 10 more lenders headquartered out-of-state that actively fund North Carolina borrowers. North Carolina HQ lenders have collectively originated $46.0B in SBA loan volume.

Can an out-of-state SBA lender fund my North Carolina business?

Yes. SBA loans are not state-restricted. PeerSense tracks 10 out-of-state SBA lenders with active North Carolina loan portfolios. National banks, multi-state regionals, and SBA preferred lenders frequently outperform local-only banks on rate, term, and speed-to-close.

How do I find an SBA lender in North Carolina for my business?

Tell PeerSense about your deal at peersense.com/book-a-call. Within one business day we match you to the North Carolina lender (HQ or out-of-state) most likely to fund your industry, loan size, and structure. Free consultation. Referral fee paid by the lender at closing.

SBA Lenders in North Carolina

Q: Who are the top SBA lenders in North Carolina?

Ranked by North Carolina-specific SBA volume, the top lenders include Live Oak Banking Company, Bank of America, National Association, Truist Bank. PeerSense ranks each by activity, average loan size, and North Carolina deal-flow specialization.

16 SBA-approved lenders headquartered in North Carolina (NC) plus 10 more that actively fund North Carolina borrowers. Tell us about your deal and we'll match you with the right capital source.

Quick Answer

Who are the top SBA lenders in North Carolina?

PeerSense tracks 16 SBA-approved lenders headquartered in North Carolina (NC), plus 10 out-of-state lenders that actively fund North Carolina borrowers. Top by North Carolina-specific volume: Live Oak Banking Company, Bank of America, National Association, Truist Bank. North Carolina HQ lenders have collectively originated $46.0B in SBA volume.

— PeerSense Capital Advisory · Westfield IN · Updated May 16, 2026

NC HQ Lenders

Out-of-State Funders

$46.0B

Total SBA Volume

Free

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Top SBA Lenders Headquartered in North Carolina

Ranked by total SBA loan activity. Click any bank for the full profile, NAICS specialization, and franchise lending history.

Lender	State	Activity	Profile
Bank of America, National Association	NC	High Volume	View Profile →
Truist Bank	NC	High Volume	View Profile →
Live Oak Banking Company	NC	High Volume	View Profile →
First-Citizens Bank & Trust Company	NC	High Volume	View Profile →
Dogwood State Bank	NC	High Volume	View Profile →
HomeTrust Bank	NC	High Volume	View Profile →
Southern Bank and Trust Company	NC	Active	View Profile →
North State Bank	NC	Active	View Profile →
Self-Help Credit Union	NC	Active	View Profile →
Truliant FCU	NC	Active	View Profile →
Lendstream Small Business Finance, LLC	NC	Active	View Profile →
The Fidelity Bank	NC	Active	View Profile →
Carolina Small Business Development Fund	NC	Active	View Profile →
Bank of Oak Ridge	NC	Active	View Profile →
Mechanics and Farmers Bank	NC	Active	View Profile →
Uwharrie Bank	NC	Active	View Profile →

Out-of-State Lenders Actively Funding North Carolina Borrowers

National banks and multi-state regionals frequently fund North Carolina deals at competitive rates — often with faster underwriting than local-only banks. Ranked by North Carolina-specific SBA volume.

GBank

HQ NV · 147 NC loans · $425.8M NC volume

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Pinnacle Bank

HQ TN · 97 NC loans · $82.2M NC volume

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Citizens Bank

HQ TN · 82 NC loans · $79.1M NC volume

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First National Bank of Pennsylvania

HQ PA · 111 NC loans · $74.4M NC volume

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BankUnited, National Association

HQ FL · 39 NC loans · $58.9M NC volume

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First Bank

HQ MO · 82 NC loans · $51.1M NC volume

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Ameris Bank

HQ GA · 42 NC loans · $32.8M NC volume

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First Bank of the Lake

HQ MO · 53 NC loans · $29.8M NC volume

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Capital Bank, National Association

HQ MD · 29 NC loans · $28.1M NC volume

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Coastal States Bank

HQ SC · 21 NC loans · $22.1M NC volume

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Looking for an SBA Lender in North Carolina?

PeerSense matches your deal with the right capital source from our network of 16+ North Carolina lenders and hundreds more nationwide. No retainers — referral fee established upfront and paid at closing.

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SBA Lending in North Carolina

North Carolina is home to 16 SBA-approved lenders that have collectively originated $46.0B in SBA loan volume. These lenders serve businesses across the state through the SBA 7(a) and 504 loan programs, providing financing for acquisitions, commercial real estate, equipment, and working capital.

Whether you're acquiring a business in North Carolina, expanding an existing operation, or purchasing commercial property, SBA financing offers competitive terms with government-backed guarantees. PeerSense analyzes each lender's activity, deal preferences, and specializations to help you find the best fit.

How PeerSense Helps North Carolina Borrowers

We're a commercial lending advisory firm headquartered in Westfield, Indiana — not a lender. We structure and place deals across SBA, CMBS, private credit, equipment financing, and more. Our team reviews your transaction, identifies the right capital sources, and makes warm introductions to lenders actively funding deals like yours. Most clients receive their first lender introduction within one business day.