SBA lending by metro area
SBA lenders in Charleston, SC
Which lenders fund Charleston-area businesses, how much, and how the market compares with South Carolina: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Charleston area
Ranked by SBA volume funded to businesses located in the Charleston metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank | 111 | $100.5M | $905K | 3.60% |
| 2 | Provident Business Financial Services, Inc. | 89 | $88.6M | $996K | not reported |
| 3 | Wells Fargo Bank National Association | 228 | $55.0M | $241K | 6.14% |
| 4 | Truist Bank | 103 | $54.2M | $526K | 4.85% |
| 5 | TD Bank, National Association | 167 | $52.2M | $313K | 5.99% |
| 6 | The Huntington National Bank | 103 | $52.0M | $505K | 0.00% |
| 7 | Live Oak Banking Company | 52 | $49.4M | $951K | 1.92% |
| 8 | United Community Bank | 42 | $39.7M | $946K | 4.76% |
| 9 | SouthState Bank, National Association | 45 | $32.1M | $714K | 0.00% |
| 10 | Certified Development Corporation of South Carolina | 39 | $31.1M | $797K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Charleston compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Charleston area | $273K ▲ 2.8% | 8.7% ▲ 0.8 pts |
| South Carolina | $265K | 7.9% |
| United States | $179K | 11.2% |
What gets funded in Charleston
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 270 | $254.7M |
| Retail Trade | 215 | $124.9M |
| Health Care and Social Assistance | 218 | $124.4M |
| Other Services | 220 | $106.0M |
| Construction | 186 | $88.4M |
| Professional and Technical Services | 176 | $67.8M |
| Arts, Entertainment, Recreation | 80 | $63.9M |
| Manufacturing | 79 | $47.9M |
SBA lending in Charleston by year
Geography, precisely
"Charleston area" here means the Charleston-North Charleston, SC metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Berkeley County, SC; Charleston County, SC; Dorchester County, SC. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.