SBA lending by metro area
SBA lenders in Winston-Salem, NC
Which lenders fund Winston-Salem-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 Winston-Salem area
Ranked by SBA volume funded to businesses located in the Winston-Salem 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 | 41 | $59.0M | $1.4M | 0.00% |
| 2 | GBank | 20 | $55.3M | $2.8M | 0.00% |
| 3 | Pinnacle Bank | 38 | $44.4M | $1.2M | 0.00% |
| 4 | Business Expansion Funding Corporation | 36 | $41.2M | $1.1M | not reported |
| 5 | Truist Bank | 111 | $40.2M | $362K | 0.90% |
| 6 | First National Bank of Pennsylvania | 39 | $31.4M | $805K | 12.82% |
| 7 | First Community Bank | 82 | $26.7M | $326K | 1.22% |
| 8 | Wells Fargo Bank National Association | 106 | $20.1M | $189K | 5.66% |
| 9 | Truliant FCU | 30 | $17.5M | $583K | 3.33% |
| 10 | The Huntington National Bank | 18 | $15.1M | $840K | 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 Winston-Salem compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Winston-Salem area | $231K ▼ 11.2% | 6.3% ▼ 1.3 pts |
| North Carolina | $260K | 7.6% |
| United States | $179K | 11.2% |
What gets funded in Winston-Salem
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 143 | $166.5M |
| Retail Trade | 149 | $73.0M |
| Health Care and Social Assistance | 78 | $63.2M |
| Manufacturing | 75 | $60.3M |
| Construction | 97 | $37.1M |
| Other Services | 85 | $30.7M |
| Administrative and Support | 72 | $30.1M |
| Arts, Entertainment, Recreation | 35 | $27.9M |
SBA lending in Winston-Salem by year
Geography, precisely
"Winston-Salem area" here means the Winston-Salem, NC metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Davidson County, NC; Davie County, NC; Forsyth County, NC; Stokes County, NC; Yadkin 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.