BlogRankingStateBest North Carolina SBA Lenders & Rates of 2026

Best North Carolina SBA Lenders & Rates of 2026

$1.09B
Total Funded

1,712
Loans Approved

$635K
Avg Loan Size

10.13%
Avg Interest Rate

129
Active Lenders

SBA Loans in North Carolina

North Carolina businesses received $1.09B in SBA 7(a) loan approvals across 1,712 businesses in 2025. With 129 active SBA lenders competing for business in North Carolina, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in North Carolina is $635K, with rates averaging 10.13%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Top SBA Lenders in North Carolina (2025)

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

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $127.5M 110 9.30%
2 Pinnacle Bank $62.9M 47 9.01%
3 GBank $57.7M 21 8.80%
4 The Huntington National Bank $56.2M 126 9.74%
5 Newtek Bank, National Association $48.3M 101 11.02%
6 First Bank $42.6M 36 10.04%
7 Northeast Bank $35.5M 207 11.03%
8 Dogwood State Bank $35.2M 29 9.81%
9 The Fidelity Bank $29.6M 29 9.48%
10 Bank of Oak Ridge $24.3M 25 9.56%
11 Bank of America, National Association $23.4M 37 7.84%
12 Celtic Bank Corporation $19.4M 45 10.64%
13 HomeTrust Bank $18.3M 12 9.63%
14 First Community Bank $18.1M 39 6.85%
15 Readycap Lending, LLC $18.0M 73 12.39%
16 United Midwest Savings Bank National Association $16.0M 46 10.16%
17 United Community Bank $15.9M 17 9.18%
18 Wells Fargo Bank National Association $15.2M 57 11.00%
19 Truliant FCU $14.3M 15 10.08%
20 Leader Bank, National Association $14.2M 6 9.42%

🤝 How to Get an SBA Loan in North Carolina

Many top SBA lenders work primarily through approved SBA loan brokers. This is good news for borrowers:

  • Better Match: Get matched with the right lender for your situation
  • Negotiating Power: Broker relationships can result in better rates
  • Time Savings: One application goes to multiple lenders
  • Expert Guidance: Maximize your approval chances

GoSBA Loans works with lenders across North Carolina and can help you access the best loan programs. Our service is completely free to borrowers.

📞 Get Matched with North Carolina SBA Lenders

Ready to apply for an SBA loan in North Carolina? Our team can help you get matched with the right lender and program for your business.

Looking for SBA lenders in other states? GoSBA Loans works with 75+ SBA lenders nationwide. Contact us to get matched with the best lender for your specific business needs.

http://gosbaloans.com

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.