Best North Carolina SBA Lenders & Rates of 2026

Compare 129 SBA lenders in North Carolina. $1.09B funded across 1,712 businesses. Average rate 10.13%. Get matched free.

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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:

RankLenderVolumeLoansAvg Rate
1Live Oak Banking Company$127.5M1109.30%
2Pinnacle Bank$62.9M479.01%
3GBank$57.7M218.80%
4The Huntington National Bank$56.2M1269.74%
5Newtek Bank, National Association$48.3M10111.02%
6First Bank$42.6M3610.04%
7Northeast Bank$35.5M20711.03%
8Dogwood State Bank$35.2M299.81%
9The Fidelity Bank$29.6M299.48%
10Bank of Oak Ridge$24.3M259.56%
11Bank of America, National Association$23.4M377.84%
12Celtic Bank Corporation$19.4M4510.64%
13HomeTrust Bank$18.3M129.63%
14First Community Bank$18.1M396.85%
15Readycap Lending, LLC$18.0M7312.39%
16United Midwest Savings Bank National Association$16.0M4610.16%
17United Community Bank$15.9M179.18%
18Wells Fargo Bank National Association$15.2M5711.00%
19Truliant FCU$14.3M1510.08%
20Leader Bank, National Association$14.2M69.42%

🤝 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.

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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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