North Carolina
Top SBA lenders in Charlotte
Businesses in the Charlotte area have received $1.7B across 2,754 approved SBA 7(a) & 504 loans (FY2010–present). Here are the lenders that funded the most, by real approval volume.
| # | Lender | SBA approvals in Charlotte | Rating |
|---|---|---|---|
| 1 | Pinnacle Bank | $150M | 3.3(19) |
| 2 | Live Oak Banking Company | $143M | 3.4(145) |
| 3 | Wells Fargo Bank National Association | $126M | 3.0(23) |
| 4 | First National Bank of Pennsylvania | $108M | 2.2(6) |
| 5 | United Community Bank | $72M | 3.8(23) |
| 6 | Truist Bank | $70M | 2.4(45) |
| 7 | TowneBank | $54M | 3.4(17) |
| 8 | The Huntington National Bank | $53M | 2.2(69) |
| 9 | GBank | $49M | 4.2(81) |
| 10 | SouthState Bank, National Association | $43M | 3.1(38) |
| 11 | Fifth Third Bank | $40M | 1.4(100) |
| 12 | Readycap Lending, LLC | $32M | 3.6(95) |
| 13 | Byline Bank | $31M | 2.5(18) |
| 14 | Regions Bank | $29M | 2.7(108) |
| 15 | First Bank | $28M | 4.6(10) |
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present), by borrower project location. See all North Carolina SBA lenders →
SBA lenders in Charlotte — common questions
Which SBA lender is most active in Charlotte?
Pinnacle Bank has approved the most SBA 7(a) & 504 funding for Charlotte-area businesses — $150M in total. The full ranking of the most active lenders is on this page, sourced from public SBA FOIA loan-approval records.
How much SBA funding have Charlotte businesses received?
Businesses in the Charlotte area have received $1.7B across 2,754 approved SBA 7(a) & 504 loans since FY2010, based on public SBA FOIA loan-approval records by borrower project location.
Do I have to use an SBA lender based in Charlotte?
No. SBA loans are federal, so a national or out-of-state lender can fund your Charlotte business — national SBA lenders like Live Oak Bank and Newtek lend in all 50 states. A local lender helps most when your deal needs site visits or local market knowledge.
How are the top Charlotte SBA lenders ranked?
By total gross SBA loan approvals to borrowers in the Charlotte area, from the U.S. SBA's public FOIA 7(a) & 504 data (FY2010–present) — real approval volume, not advertising.
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