SBA lending by metro area
SBA lenders in Durham, NC
Which lenders fund Durham-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 Durham area
Ranked by SBA volume funded to businesses located in the Durham 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 | 48 | $60.7M | $1.3M | 0.00% |
| 2 | First National Bank of Pennsylvania | 48 | $43.9M | $915K | 4.17% |
| 3 | Truist Bank | 122 | $42.5M | $348K | 1.64% |
| 4 | Business Expansion Funding Corporation | 67 | $40.5M | $604K | not reported |
| 5 | Pinnacle Bank | 47 | $35.1M | $747K | 10.64% |
| 6 | TowneBank | 35 | $33.7M | $963K | 0.00% |
| 7 | GBank | 9 | $33.6M | $3.7M | not reported |
| 8 | Wells Fargo Bank National Association | 135 | $29.0M | $215K | 3.70% |
| 9 | SBA CLSC Servicing | 35 | $21.3M | $608K | not reported |
| 10 | Celtic Bank Corporation | 38 | $19.6M | $517K | 5.26% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Durham compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Durham area | $258K ▼ 1.0% | 9.7% ▲ 2.1 pts |
| North Carolina | $260K | 7.6% |
| United States | $179K | 11.2% |
What gets funded in Durham
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 222 | $190.8M |
| Health Care and Social Assistance | 158 | $97.2M |
| Other Services | 118 | $60.2M |
| Manufacturing | 88 | $55.7M |
| Professional and Technical Services | 144 | $55.2M |
| Retail Trade | 111 | $51.8M |
| Construction | 86 | $34.8M |
| Arts, Entertainment, Recreation | 48 | $24.0M |
SBA lending in Durham by year
Geography, precisely
"Durham area" here means the Durham-Chapel Hill, NC metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Chatham County, NC; Durham County, NC; Orange County, NC; Person County, NC. 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.