SBA lending by metro area
SBA lenders in Charlotte, NC
Which lenders fund Charlotte-area businesses, how much, and how the market compares with North 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 Charlotte area
Ranked by SBA volume funded to businesses located in the Charlotte 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 | Live Oak Banking Company | 304 | $397.9M | $1.3M | 0.00% |
| 2 | Business Expansion Funding Corporation | 385 | $336.8M | $875K | not reported |
| 3 | Pinnacle Bank | 300 | $302.3M | $1.0M | 1.00% |
| 4 | Wells Fargo Bank National Association | 903 | $277.4M | $307K | 7.09% |
| 5 | First National Bank of Pennsylvania | 312 | $188.7M | $605K | 7.05% |
| 6 | United Community Bank | 163 | $144.1M | $884K | 1.84% |
| 7 | Truist Bank | 392 | $142.3M | $363K | 2.04% |
| 8 | GBank | 40 | $134.8M | $3.4M | 0.00% |
| 9 | The Huntington National Bank | 268 | $118.2M | $441K | 1.12% |
| 10 | Carolina Business Capital, Inc. | 111 | $99.4M | $896K | 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 Charlotte compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Charlotte area | $300K ▲ 15.4% | 8.6% ▲ 1.0 pts |
| North Carolina | $260K | 7.6% |
| United States | $179K | 11.2% |
What gets funded in Charlotte
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 889 | $831.7M |
| Health Care and Social Assistance | 734 | $589.4M |
| Retail Trade | 708 | $379.5M |
| Manufacturing | 521 | $355.9M |
| Other Services | 674 | $354.3M |
| Professional and Technical Services | 712 | $336.7M |
| Construction | 647 | $294.3M |
| Wholesale Trade | 300 | $209.7M |
SBA lending in Charlotte by year
Geography, precisely
"Charlotte area" here means the Charlotte-Concord-Gastonia, NC-SC metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Anson County, NC; Cabarrus County, NC; Chester County, SC; Gaston County, NC; Iredell County, NC; Lancaster County, SC; Lincoln County, NC; Mecklenburg County, NC; Rowan County, NC; Union County, NC; York 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.