SBA lending by metro area
SBA lenders in Charlottesville, VA
Which lenders fund Charlottesville-area businesses, how much, and how the market compares with Virginia: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Charlottesville area
Ranked by SBA volume funded to businesses located in the Charlottesville 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 | Business Finance Group, Inc. | 41 | $24.6M | $601K | not reported |
| 2 | Truist Bank | 40 | $15.1M | $377K | 2.50% |
| 3 | Blue Ridge Bank National Association | 14 | $13.4M | $960K | not reported |
| 4 | 504 Capital Corporation | 19 | $11.8M | $619K | not reported |
| 5 | Live Oak Banking Company | 11 | $10.5M | $953K | not reported |
| 6 | Rappahannock Economic Development Corporation | 16 | $8.6M | $536K | not reported |
| 7 | The Huntington National Bank | 13 | $8.3M | $639K | not reported |
| 8 | Virginia National Bank | 23 | $4.5M | $194K | 4.35% |
| 9 | Atlantic Union Bank | 24 | $4.4M | $183K | 4.17% |
| 10 | University of Virginia Community Credit Union Inc | 72 | $4.4M | $61K | 1.39% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Charlottesville compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Charlottesville area | $150K ▼ 25.0% | 17.3% ▲ 4.8 pts |
| Virginia | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Charlottesville
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 65 | $37.6M |
| Professional and Technical Services | 53 | $19.9M |
| Retail Trade | 55 | $19.1M |
| Health Care and Social Assistance | 47 | $18.4M |
| Manufacturing | 39 | $18.4M |
| Construction | 47 | $15.5M |
| Administrative and Support | 25 | $7.7M |
| Transportation and Warehousing | 21 | $5.4M |
SBA lending in Charlottesville by year
Geography, precisely
"Charlottesville area" here means the Charlottesville, VA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Albemarle County, VA; Charlottesville city, VA; Fluvanna County, VA; Greene County, VA; Nelson County, VA. 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.