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SBA 7(a) record
Institute Capital, Inc.: SBA 7(a) loans made
Institute Capital, Inc., a non-bank lender based in Durham, NC, made 22 SBA 7(a) loans in the 36 months ending September 30, 2026, $3.9M in all, net of cancelled approvals. The typical loan was about $170K, and 10 were in the last 12 months. Most were in North Carolina.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 22
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $3.90M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $170K
- SBA FOIA,
- Largest loan
- $350K
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 10
- SBA FOIA,
Cite this
Source: The Lender Report, Institute Capital, Inc.: SBA 7(a) loans made, https://lender.report/lender/institute-capital-nc/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2026 | South Carolina | SBA 7(a), Limited-Service Restaurants | $310K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | North Carolina | SBA 7(a), Child Care Services | $45K | 9% | 5 yr | SBA FOIA | |
| Jul 2026 | Virginia | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $280K | 10% | 7 yr | SBA FOIA | |
| Jun 2026 | North Carolina | SBA 7(a), Vending Machine Operators | $50K | 9.5% | 4 yr | SBA FOIA | |
| May 2026 | North Carolina | SBA 7(a), Commercial Bakeries | $350K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | North Carolina | SBA 7(a), Wood Kitchen Cabinet and Countertop Manufacturing | $170K | 9% | 7 yr | SBA FOIA | |
| Mar 2026 | North Carolina | SBA 7(a), Manufacturing | $50K | 10.5% | 4 yr | SBA FOIA | |
| Feb 2026 | North Carolina | SBA 7(a), Book Retailers and News Dealers | $170K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | North Carolina | SBA 7(a), Limited-Service Restaurants | $350K | 8% | 5 yr | SBA FOIA | |
| Nov 2025 | Virginia | SBA 7(a), Full-Service Restaurants | $240K | 12% | 4 yr | SBA FOIA | |
| Sep 2025 | Virginia | SBA 7(a), Full-Service Restaurants | $350K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2025 | North Carolina | SBA 7(a), Child Care Services | $42K | 11% | 7 yr | SBA FOIA | |
| Jul 2025 | North Carolina | SBA 7(a), Pet Care (except Veterinary) Services | $130K | 9.5% | 10 yr | SBA FOIA | |
| May 2025 | North Carolina | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $73K | 10% | 7 yr | SBA FOIA | |
| Mar 2025 | North Carolina | SBA 7(a), Transportation and Warehousing | $61K | 10% | 5 yr | SBA FOIA | |
| Jan 2025 | North Carolina | SBA 7(a), Postal Service | $120K | 11% | 5 yr | SBA FOIA | |
| Jan 2025 | North Carolina | SBA 7(a), Interior Design Services | $50K | 10% | 7 yr | SBA FOIA | |
| Dec 2024 | North Carolina | SBA 7(a), Transportation and Warehousing | $120K | 10% | 7 yr | SBA FOIA | |
| Dec 2024 | North Carolina | SBA 7(a), General Freight Trucking, Local | $75K | 10% | 7 yr | SBA FOIA | |
| Sep 2024 | North Carolina | SBA 7(a), Child Care Services | $350K | 10% | 10 yr | SBA FOIA | |
| Jun 2024 | North Carolina | SBA 7(a), Pet Care (except Veterinary) Services | $210K | 10.5% | 10 yr | SBA FOIA | |
| May 2024 | South Carolina | SBA 7(a), All Other Outpatient Care Centers | $300K | 10.75% | 10 yr | SBA FOIA | |
| 22 SBA 7(a) loans since October 2023, net of cancelled | $3.90M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| North Carolina | 17 | $2.42M |
| Virginia | 3 | $870K |
| South Carolina | 2 | $610K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 11 | $816K |
| $150K to $350K | 7 | $1.68M |
| $350K to $1M | 4 | $1.40M |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2024 Q2 | 2 | $510K |
| 2024 Q3 | 1 | $350K |
| 2024 Q4 | 2 | $195K |
| 2025 Q1 | 3 | $231K |
| 2025 Q2 | 1 | $73.0K |
| 2025 Q3 | 3 | $522K |
| 2025 Q4 | 1 | $240K |
| 2026 Q1 | 3 | $570K |
| 2026 Q2 | 3 | $570K |
| 2026 Q3 | 3 | $635K |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Child Care Services (624410) | 3 |
| Full-Service Restaurants (722511) | 2 |
| Limited-Service Restaurants (722513) | 2 |
| Pet Care (except Veterinary) Services (812910) | 2 |
| Transportation and Warehousing | 2 |
| Administrative and Support and Waste Management and Remediation Services | 1 |
| All Other Outpatient Care Centers (621498) | 1 |
| Book Retailers and News Dealers (459210) | 1 |
| Commercial Bakeries (311812) | 1 |
| General Freight Trucking, Local (484110) | 1 |
| Interior Design Services (541410) | 1 |
| Manufacturing | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 13 |
| 7a General | 9 |
- Institute Capital, Inc. made 22 SBA 7(a) loans totaling $3.9M in the 36 months ending September 30, 2026, net of cancelled approvals, in 3 states. SBA FOIA,
- 10 of them were in the 12 months to September 30, 2026, and 9 in the 12 months before. SBA FOIA,
- The typical loan was about $170K, with the middle half between $61K and $300K. SBA FOIA,
- The largest was about $350K. Every amount is rounded to 2 significant figures. SBA FOIA,
- 11 loans were under $150K, and 0 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 10.00% on 22 loans, with the middle half between 9.50% and 10.50%. SBA FOIA,
- The median term was 7 years. SBA FOIA,
- Its loans went most often to Child Care Services, with 3. SBA FOIA,
- The SBA file lists 13 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in North Carolina (17), Virginia (3) and South Carolina (2). SBA FOIA,
What we don't know
- Whether Institute Capital, Inc. is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.