Lender intelligence

Most active SBA lenders in North Carolina

Industry:

North Carolina has 25 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 1,111 SBA 7(a) loans in North Carolina in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance North Carolina acquisitions

$840K

Typical loan

range $360K–$1.81M

$933K

Est. purchase price

≈ loan ÷ 90%

$127,983

Cash to close

$93,333 down + fees

$10,869/mo

Typical payment

~9.5% · 10yr

$149,992/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

18 days

Typical time to fund

114

Lenders competing

more = leverage

8.22%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

1.3 loans · $2M · Minneapolis, MNFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.3,264 loans · $846M · Miami, FLFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →
5.575 loans · $220M · De Graff, OHFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.1,322 loans · $185M · Wilmington, DEFull record →
8.868 loans · $362M · Salt Lake City, UTFull record →
9.1 loans · $1M · Lincoln, NEFull record →
10.4 loans · $2M · Milton, WIFull record →
11.741 loans · $149M · Northbrook, ILFull record →
12.104 loans · $100M · Portsmouth, VAFull record →
13.1 loans · $0M · St. Louis, MOFull record →
14.318 loans · $229M · Osage Beach, MOFull record →
15.51 loans · $52M · Fuquay Varina, NCFull record →
16.98 loans · $309M · Las Vegas, NVFull record →
17.284 loans · $254M · Cincinnati, OHFull record →
18.20 loans · $8M · Saint Petersburg, FLFull record →
19.27 loans · $28M · Oak Ridge, LAFull record →
20.97 loans · $96M · Raleigh, NCFull record →
21.46 loans · $47M · Asheville, NCFull record →
22.499 loans · $106M · Los Angeles, CAFull record →
23.78 loans · $79M · New Orleans, LAFull record →
24.66 loans · $68M · Milford, IAFull record →
25.57 loans · $74M · Winston-Salem, NCFull record →

1,145+ funded North Carolina deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

GRO GC Inc. in Winston Salem, NC — $5.0M (2026) · purchase · Truist Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approved
3/16/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
300
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$61,326
Annual debt service
$736K
Cash flow needed (1.25×)
$920K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
Reform Healthcare LLC in Knightdale, NC — $5.0M (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approved
2/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Pharmacies and Drug Retailers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$64,016
Annual debt service
$768K
Cash flow needed (1.25×)
$960K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Radhe Hospitality LLC in Fayetteville, NC — $5.0M (2026) · purchase · GBank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$37,766
Annual debt service
$453K
Cash flow needed (1.25×)
$566K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by GBank · Lender record →
Your business? Claim this record · Request removal
Myers Trading Company, LLC in Washington, NC — $5.0M (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Motorcycle, ATV, and All Other Motor Vehicle Dealers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$64,016
Annual debt service
$768K
Cash flow needed (1.25×)
$960K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Sonal LLC in Matthews, NC — $5.0M (2026) · purchase · GBank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
5 days
Approved
1/21/2026
First disbursed
1/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$37,766
Annual debt service
$453K
Cash flow needed (1.25×)
$566K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by GBank · Lender record →
Your business? Claim this record · Request removal
KoNa Mahant Krupa Inc. in Holly Springs, NC — $5.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.55% variable
Term
204 mo (17 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
38 days
Approved
12/22/2025
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Change of Ownership
Industry
Child Care Services
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$43,582
Annual debt service
$523K
Cash flow needed (1.25×)
$654K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Amity HealthCare Group LLC in Lexington, NC — $5.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
35 days
Approved
12/2/2025
First disbursed
1/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
67
Business age
Change of Ownership
Industry
Assisted Living Facilities for the Elderly
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$38,591
Annual debt service
$463K
Cash flow needed (1.25×)
$579K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Dixon Academy # 5 inc. in Huntersville, NC — $4.2M (2026) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.2M (75%)
Approved
3/13/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
71
Business age
Change of Ownership
Industry
Child Care Services
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$469K
Est. cash at closing
$648K
Monthly payment
$31,875
Annual debt service
$382K
Cash flow needed (1.25×)
$478K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
W.M. Plastics, Inc. in Charlotte, NC — $3.9M (2026) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.9M (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Printing Ink Manufacturing
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$433K
Est. cash at closing
$599K
Monthly payment
$47,798
Annual debt service
$574K
Cash flow needed (1.25×)
$717K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Sunday Money, LLC in Charlotte, NC — $3.6M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.7M (75%)
Approval → funding
10 days
Approved
1/5/2026
First disbursed
1/15/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
90
Business age
Change of Ownership
Industry
Home Health Care Services
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$403K
Est. cash at closing
$557K
Monthly payment
$44,462
Annual debt service
$534K
Cash flow needed (1.25×)
$667K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
PIEDMONT WELL COVERS ACQUISITION LLC in Mount Ulla, NC — $3.5M (2026) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approved
3/13/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
All Other Plastics Product Manufacturing
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$391K
Est. cash at closing
$540K
Monthly payment
$45,004
Annual debt service
$540K
Cash flow needed (1.25×)
$675K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Truliant FCU · Lender record →
Your business? Claim this record · Request removal
Hodges Electrical Inc. in Kernersville, NC — $3.4M (2026) · purchase · Climate First Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approved
12/5/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
199
Business age
Change of Ownership
Industry
Electrical Contractors and Other Wiring Installation Contrac
If you were the buyer here
Est. deal size
$3.8M
Est. down payment (10%)
$381K
Est. cash at closing
$527K
Monthly payment
$43,450
Annual debt service
$521K
Cash flow needed (1.25×)
$652K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Climate First Bank · Lender record →
Your business? Claim this record · Request removal
JACKS Hospitality LLC in New Hill, NC — $3.4M (2026) · purchase · TowneBank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.6M (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$3.8M
Est. down payment (10%)
$380K
Est. cash at closing
$525K
Monthly payment
$25,855
Annual debt service
$310K
Cash flow needed (1.25×)
$388K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
Hadur Manufacturing, LLC in Sanford, NC — $3.4M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
15 days
Approved
12/2/2025
First disbursed
12/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$3.7M
Est. down payment (10%)
$373K
Est. cash at closing
$515K
Monthly payment
$28,174
Annual debt service
$338K
Cash flow needed (1.25×)
$423K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Bloomin Crazy Nursery and More Inc. in Belville, NC — $2.7M (2026) · purchase · Paragon Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
5 days
Approved
12/13/2025
First disbursed
12/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
100
Business age
Change of Ownership
Industry
Nursery, Garden Center, and Farm Supply Retailers
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$304K
Est. cash at closing
$420K
Monthly payment
$34,709
Annual debt service
$417K
Cash flow needed (1.25×)
$521K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Paragon Bank · Lender record →
Your business? Claim this record · Request removal
Reidsville Inn in Reidsville, NC — $2.7M (2026) · purchase · Bank of Oak Ridge
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approved
12/22/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$303K
Est. cash at closing
$418K
Monthly payment
$21,942
Annual debt service
$263K
Cash flow needed (1.25×)
$329K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of Oak Ridge · Lender record →
Your business? Claim this record · Request removal
McCarthy Builder Supply, Inc. in Raleigh, NC — $2.3M (2026) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$255K
Est. cash at closing
$351K
Monthly payment
$29,959
Annual debt service
$360K
Cash flow needed (1.25×)
$449K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
88 UNLIMITED, LLC in Hickory, NC — $2.2M (2026) · purchase · Beacon Bank and Trust
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (90%)
Approval → funding
18 days
Approved
12/13/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Toy and Hobby Goods and Supplies Merchant Wholesalers
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$248K
Est. cash at closing
$342K
Monthly payment
$28,920
Annual debt service
$347K
Cash flow needed (1.25×)
$434K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
C and E Celebrations LLC in Winston Salem, NC — $2.2M (2026) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
17 days
Approved
1/9/2026
First disbursed
1/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$242K
Est. cash at closing
$334K
Monthly payment
$27,628
Annual debt service
$332K
Cash flow needed (1.25×)
$414K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
PIEDMONT TRIAD AUTO GLASS INC. in Greensboro, NC — $2.2M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
14 days
Approved
12/19/2025
First disbursed
1/2/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$242K
Est. cash at closing
$334K
Monthly payment
$27,321
Annual debt service
$328K
Cash flow needed (1.25×)
$410K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying in North Carolina? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a North Carolina project address.

Agent summary

The SBA 7(a) lenders most active in North Carolina over the trailing 12 months, from public loan records, led by Northeast Bank. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
1,111 North Carolina loans (12 mo)
$840K typical acquisition loan
18 days typical to fund

Buyers buying in North Carolina typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/north-carolina
API:: https://www.capbench.com/api/public/lenders?state=NC
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.