SBA Lenders in North Carolina
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.
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 October 1, 2026
Sources: SBA 7(a) & 504 Loan Data, FDIC BankFind
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 → |
Bank of America, National Association
NCTruist Bank
NCLive Oak Banking Company
NCFirst-Citizens Bank & Trust Company
NCDogwood State Bank
NCHomeTrust Bank
NCSouthern Bank and Trust Company
NCNorth State Bank
NCSelf-Help Credit Union
NCTruliant FCU
NCLendstream Small Business Finance, LLC
NCThe Fidelity Bank
NCCarolina Small Business Development Fund
NCBank of Oak Ridge
NCMechanics and Farmers Bank
NCUwharrie Bank
NCOut-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
Pinnacle Bank
HQ TN · 97 NC loans · $82.2M NC volume
Citizens Bank
HQ TN · 82 NC loans · $79.1M NC volume
First National Bank of Pennsylvania
HQ PA · 111 NC loans · $74.4M NC volume
BankUnited, National Association
HQ FL · 39 NC loans · $58.9M NC volume
First Bank
HQ MO · 82 NC loans · $51.1M NC volume
PromiseOne Bank
HQ GA · 31 NC loans · $47.4M NC volume
Ameris Bank
HQ GA · 42 NC loans · $32.8M NC volume
First Bank of the Lake
HQ MO · 53 NC loans · $29.8M NC volume
Capital Bank, National Association
HQ MD · 29 NC loans · $28.1M NC volume
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. Referral fee established upfront and paid at closing.
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. 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 hear back from a PeerSense advisor after the file is on the desk.
Talk to PeerSense about SBA capital in North Carolina.
Tell us your loan amount and use of funds. PeerSense sources capital for a North Carolina deal, local or national.
SBA 7(a) / 504: The desk will reach out. No obligation.
Other Capital Programs for North Carolina Borrowers
PeerSense covers the full commercial capital stack for North Carolina operators, beyond SBA. Compare current rates and structures.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
DSCR Investor
SearchSearch path. Public CRE floor $10 million and up.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
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