Best Charlotte, NC SBA Lenders & Rates of 2026

Compare 60 SBA lenders in Charlotte, NC. $170.8M funded across 261 businesses. Average rate 10.20%. Get matched free.

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Best Charlotte, NC SBA Lenders & Rates of 2026

$170.8M
Total Funded

261
Loans Approved

$654K
Avg Loan Size

10.20%
Avg Interest Rate

60
Active Lenders

SBA Loans in Charlotte, NC

Charlotte, NC businesses received $170.8M in SBA 7(a) loan approvals across 261 businesses in 2025. With 60 active SBA lenders competing for business in Charlotte, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Charlotte is $654K, with rates averaging 10.20%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Charlotte SBA Loans by Business Type

🚀 Startups
44%
$90.8M • 115 loans

🏢 Existing Businesses
48%
$53.1M • 124 loans

🔄 Acquisitions
8%
$26.9M • 22 loans

Top SBA Lenders in Charlotte, NC (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Charlotte businesses:

RankLenderVolumeLoansAvg Rate
1 Pinnacle Bank$30.0M219.01%
2 GBank$16.6M48.50%
3 Live Oak Banking Company$12.7M159.90%
4 The Huntington National Bank$9.7M309.90%
5 Dogwood State Bank$7.4M69.88%
6 HomeTrust Bank$6.8M39.75%
7 Newtek Bank, National Association$5.0M1111.05%
8 Truliant FCU$4.8M410.25%
9 Enterprise Bank & Trust$4.8M17.00%
10 Bank of America, National Association$4.6M98.49%
11 First Bank of the Lake$4.5M49.75%
12 Readycap Lending, LLC$4.3M1312.13%
13 Pathward National Association$4.1M39.75%
14 First National Bank of Pennsylvania$4.1M17.25%
15 The Fidelity Bank$3.6M29.12%
16 Byline Bank$3.5M39.83%
17 SouthState Bank, National Association$3.1M69.67%
18 Citizens Bank$3.1M49.75%
19 U.S. Bank, National Association$3.0M1310.62%
20 Northeast Bank$2.9M1911.24%
21 Brookline Bank, a Division of Beacon Bank and Trust$2.4M110.25%
22 United Community Bank$2.4M39.08%
23 Bank Five Nine$2.1M49.38%
24 Atlantic Union Bank$2.0M19.75%
25 Cadence Bank$1.7M610.08%
26 United Midwest Savings Bank National Association$1.6M410.19%
27 Encore Bank$1.4M19.50%
28 Merchants Bank of Indiana$1.3M19.50%
29 JPMorgan Chase Bank, National Association$1.1M510.40%
30 First Business Bank$985K18.75%
31 Hanover Community Bank$975K110.25%
32 First Bank$970K110.50%
33 Northwest Bank$967K29.75%
34 Celtic Bank Corporation$819K610.46%
35 BayFirst National Bank$815K211.25%
36 TD Bank, National Association$788K1010.60%
37 The Bancorp Bank National Association$763K18.75%
38 Fifth Third Bank$739K611.72%
39 Gulf Coast Bank and Trust Company$699K19.75%
40 Mechanics and Farmers Bank$687K210.50%
41 OptimumBank$687K110.50%
42 Regions Bank$628K16.99%
43 Port 51 Lending LLC$610K19.75%
44 Stearns Bank National Association$560K110.25%
45 Business Development Corporation of South Carolina$517K110.25%
46 Lendistry SBLC, LLC$507K412.13%
47 First Commonwealth Bank$500K110.25%
48 PNC Bank, National Association$440K311.02%
49 Quaint Oak Bank$421K110.25%
50 Magnifi Financial CU$375K110.25%

Top Industries in Charlotte

Here are the industries that received the most SBA funding in Charlotte:

SBA Loans in North Carolina

Charlotte is part of North Carolina‘s SBA lending market. For statewide data and more lender options, see our full North Carolina SBA Lenders guide.

🤝 Why Use an SBA Broker in Charlotte?

GoSBA Loans helps Charlotte businesses access the best SBA lenders:

  • Access 60+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Charlotte
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Charlotte SBA Loan

Our team has helped hundreds of Charlotte businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Charlotte? GoSBA Loans is a trusted SBA loan broker serving businesses in Charlotte and across North Carolina. Contact our Charlotte SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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