SBA lending by metro area
SBA lenders in Elizabeth City, NC
Which lenders fund Elizabeth City-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 Elizabeth City area
Ranked by SBA volume funded to businesses located in the Elizabeth City micropolitan 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 Expansion Funding Corporation | 9 | $6.4M | $714K | not reported |
| 2 | 504 Capital Corporation | 8 | $4.2M | $524K | not reported |
| 3 | Southern Bank and Trust Company | 19 | $2.1M | $108K | not reported |
| 4 | First Bank | 8 | $861K | $108K | 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 Elizabeth City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Elizabeth City area | $210K ▼ 19.1% | 19.8% ▲ 12.2 pts |
| North Carolina | $260K | 7.6% |
| United States | $179K | 11.2% |
What gets funded in Elizabeth City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 10 | $13.3M |
| Real Estate | 6 | $6.3M |
| Manufacturing | 6 | $5.8M |
| Other Services | 8 | $5.0M |
| Retail Trade | 12 | $4.9M |
| Professional and Technical Services | 9 | $2.2M |
| Health Care and Social Assistance | 16 | $2.2M |
| Construction | 6 | $1.6M |
SBA lending in Elizabeth City by year
Geography, precisely
"Elizabeth City area" here means the Elizabeth City, NC micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Pasquotank 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.