Best Raleigh, NC SBA Lenders & Rates of 2026

Compare 46 SBA lenders in Raleigh, NC. $84.5M funded across 123 businesses. Average rate 10.25%. Get matched free.

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Best Raleigh, NC SBA Lenders & Rates of 2026

$84.5M
Total Funded

123
Loans Approved

$687K
Avg Loan Size

10.25%
Avg Interest Rate

46
Active Lenders

SBA Loans in Raleigh, NC

Raleigh, NC businesses received $84.5M in SBA 7(a) loan approvals across 123 businesses in 2025. With 46 active SBA lenders competing for business in Raleigh, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Raleigh is $687K, with rates averaging 10.25%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Raleigh SBA Loans by Business Type

🚀 Startups
36%
$33.7M • 44 loans

🏢 Existing Businesses
53%
$32.9M • 65 loans

🔄 Acquisitions
11%
$17.9M • 14 loans

Top SBA Lenders in Raleigh, NC (2025)

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

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$10.7M88.91%
2 The Fidelity Bank$6.4M58.95%
3 The Huntington National Bank$5.9M139.88%
4 Dogwood State Bank$5.1M510.10%
5 Newtek Bank, National Association$4.8M1111.64%
6 Bank of Oak Ridge$4.7M69.50%
7 Cadence Bank$4.2M19.50%
8 Leader Bank, National Association$4.2M29.75%
9 North State Bank$3.6M19.50%
10 HomeTrust Bank$3.2M110.00%
11 United Business Bank$3.0M18.75%
12 Bank Five Nine$2.6M19.00%
13 CIBC Bank USA$2.5M29.50%
14 Northeast Bank$2.2M1411.46%
15 Wells Fargo Bank National Association$2.2M69.31%
16 Bank of America, National Association$1.6M38.64%
17 First Savings Bank$1.5M110.00%
18 First Bank$1.4M110.25%
19 Meridian Bank$1.3M18.50%
20 Celtic Bank Corporation$1.2M310.08%
21 Integro Bank$1.1M19.75%
22 Port 51 Lending LLC$1.0M110.25%
23 First Financial Bank$986K19.50%
24 ConnectOne Bank$965K210.00%
25 United Community Bank$870K18.75%
26 Readycap Lending, LLC$803K412.13%
27 Hometown Bank$760K19.75%
28 Mechanics and Farmers Bank$581K210.38%
29 United Midwest Savings Bank National Association$560K410.25%
30 Highland Bank$535K19.00%
31 Gulf Coast Bank and Trust Company$471K110.25%
32 Pinnacle Bank$470K19.75%
33 SouthState Bank, National Association$400K210.25%
34 JPMorgan Chase Bank, National Association$350K110.45%
35 Heritage Bank Inc$349K111.25%
36 First National Bank of Pennsylvania$345K18.90%
37 Climate First Bank$325K110.50%
38 Capital Community Bank$264K110.00%
39 East West Bank$210K19.00%
40 Fifth Third Bank$190K311.97%
41 Carolina Community Impact, Inc.$189K111.75%
42 Platinum Bank$183K110.25%
43 CenTrust Bank, A Division of SmartBiz Bank National Associat$150K113.25%
44 BayFirst National Bank$150K112.25%
45 Lendistry SBLC, LLC$52K113.00%
46 Institute Capital, Inc.$50K110.00%

Top Industries in Raleigh

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

SBA Loans in North Carolina

Raleigh 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 Raleigh?

GoSBA Loans helps Raleigh businesses access the best SBA lenders:

  • Access 46+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Raleigh
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Raleigh SBA Loan

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

Looking for SBA loan help in Raleigh? GoSBA Loans is a trusted SBA loan broker serving businesses in Raleigh and across North Carolina. Contact our Raleigh 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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