Best SBA Lenders in Rock Hill, SC (2026)
2025 FOIA data: top lenders, rates & industries for Rock Hill SBA loans
SBA Loans in Rock Hill, South Carolina
Looking for an SBA loan in Rock Hill, South Carolina? Based on 2025 FOIA data, 35 SBA 7(a) loans were funded in Rock Hill totaling $34.2M, supporting an estimated 595 jobs. With 19 active lenders competing for business in the Rock Hill market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Rock Hill is $976K at an average rate of 10.04%. The top lender in Rock Hill is GBank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all South Carolina SBA lenders for statewide rankings.
SBA Loans in Rock Hill by Business Type
Whether you’re starting a new business in Rock Hill, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 26% of SBA loans in Rock Hill (11 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 15% (2 loans) — if you’re looking to buy a business in Rock Hill, this is a proven use case for SBA financing. Existing businesses make up 38% and typically receive the most favorable terms.
Top SBA Lenders in Rock Hill, SC (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Rock Hill businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | GBank | $11.1M | 3 | 8.75% |
| 2 | American Pride Bank | $4.2M | 1 | 8.5% |
| 3 | Bank of Oak Ridge | $2.7M | 1 | 9.75% |
| 4 | Harvest Small Business Finance, LLC | $2.6M | 1 | 9.75% |
| 5 | The Huntington National Bank | $2.5M | 6 | 9.42% |
| 6 | Cadence Bank | $2.3M | 2 | 9.25% |
| 7 | Live Oak Banking Company | $1.9M | 1 | 8.45% |
| 8 | Pinnacle Bank | $1.5M | 2 | 9.38% |
| 9 | Byline Bank | $1.4M | 1 | 10.25% |
| 10 | Dogwood State Bank | $1.0M | 1 | 10% |
The top lenders in Rock Hill have direct experience with local businesses and understand the Rock Hill market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Rock Hill and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Rock Hill
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Rock Hill
These are the industries that received the most SBA 7(a) funding in Rock Hill in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 3 | $12.2M |
| Home Health Care Services | 1 | $3.2M |
| All Other Amusement and Recreation Industries | 1 | $2.7M |
| Veterinary Services | 1 | $2.6M |
| Limited-Service Restaurants | 3 | $2.3M |
| Lessors of Miniwarehouses and Self-Storage Units | 1 | $1.9M |
| Supermarkets and Other Grocery (except Convenience) Stores | 2 | $1.7M |
| Snack and Nonalcoholic Beverage Bars | 3 | $1.7M |
| Other Activities Related to Real Estate | 1 | $1.4M |
| Pet Care (except Veterinary) Services | 1 | $1.0M |
Lenders with experience funding your specific industry in Rock Hill understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Rock Hill
Option 1: Apply directly to one of the top Rock Hill lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Rock Hill-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
