--- title: SBA 504 Lenders in North Carolina: 70 Made Loans in 3 Years url: https://lender.report/sba-504-lenders/north-carolina/ license: https://lender.report/license/ --- SBA 504 ยท NC # SBA 504 lenders in North Carolina 70 lenders provided the first lien on at least one SBA 504 project in North Carolina in the 36 months ending September 30, 2026. TowneBank made the most, with 23 of the 224 on record. **Evidence** Lender provided the first lien on at least one SBA 504 project in North Carolina in the 36 months ending September 30, 2026 **Data as of** SBA, September 30, 2026 **Page last changed** November 12, 2026 **Lenders on record** 70 SBA FOIA, Sep 30, 2026 **First liens, 36 months** 224 SBA FOIA, Sep 30, 2026 Approvals, net of cancelled **Dollars, 36 months** $488M SBA FOIA, Sep 30, 2026 **Approvals, last 12 months (funded or not)** 69 SBA FOIA, Sep 30, 2026 -14.8% from the prior 12 months Cite this Source: The Lender Report, SBA 504 lenders in North Carolina, https://lender.report/sba-504-lenders/north-carolina/, data as of September 30, 2026. ## Describe a deal in North Carolina See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show SBA 504 loans in North Carolina](https://lender.report/comps/?lane=sba_504&state=NC)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | First liens | Dollars | | --- | --- | --- | --- | --- | | [TowneBank](https://lender.report/lender/townebank-va/) [SBA 504 record](https://lender.report/lender/townebank-va/sba-504/) | Bank | Portsmouth, VA | 23 | $30.8M | | [The Fidelity Bank](https://lender.report/lender/fidelity-bank-nc/) [SBA 504 record](https://lender.report/lender/fidelity-bank-nc/sba-504/) | Bank | Fuquay Varina, NC | 20 | $21.6M | | [Bank Five Nine](https://lender.report/lender/bank-five-nine-wi/) [SBA 504 record](https://lender.report/lender/bank-five-nine-wi/sba-504/) | Bank | Oconomowoc, WI | 12 | $38.6M | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) [SBA 504 record](https://lender.report/lender/truist-bank-nc/sba-504/) | Bank | Charlotte, NC | 11 | $18.2M | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) [SBA 504 record](https://lender.report/lender/bank-of-america-nc/sba-504/) | Bank | Charlotte, NC | 10 | $7.95M | | [Southern Bank and Trust Company](https://lender.report/lender/southern-bank-and-trust-nc/) [SBA 504 record](https://lender.report/lender/southern-bank-and-trust-nc/sba-504/) | Bank | Mount Olive, NC | 8 | $8.22M | | [First National Bank of Pennsylvania](https://lender.report/lender/first-national-bank-of-pennsylvania-pa/) [SBA 504 record](https://lender.report/lender/first-national-bank-of-pennsylvania-pa/sba-504/) | Bank | Greenville, PA | 7 | $12.7M | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) [SBA 504 record](https://lender.report/lender/td-bank-de/sba-504/) | Bank | Wilmington, DE | 6 | $8.29M | | [Live Oak Banking Company](https://lender.report/lender/live-oak-banking-nc/) [SBA 504 record](https://lender.report/lender/live-oak-banking-nc/sba-504/) | Bank | Wilmington, NC | 5 | $22.1M | | [ServisFirst Bank](https://lender.report/lender/servisfirst-bank-al/) [SBA 504 record](https://lender.report/lender/servisfirst-bank-al/sba-504/) | Bank | Birmingham, AL | 5 | $21.2M | | [First Bank of the Lake](https://lender.report/lender/first-bank-of-the-lake-mo/) [SBA 504 record](https://lender.report/lender/first-bank-of-the-lake-mo/sba-504/) | Bank | Osage Beach, MO | 5 | $19.4M | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) [SBA 504 record](https://lender.report/lender/wells-fargo-bank-sd/sba-504/) | Bank | Sioux Falls, SD | 5 | $10.9M | | [United Community Bank](https://lender.report/lender/united-community-bank-sc/) [SBA 504 record](https://lender.report/lender/united-community-bank-sc/sba-504/) | Bank | Greenville, SC | 5 | $7.39M | | [Atlantic Union Bank](https://lender.report/lender/atlantic-union-bank-va/) [SBA 504 record](https://lender.report/lender/atlantic-union-bank-va/sba-504/) | Bank | Richmond City, VA | 4 | $6.00M | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) [SBA 504 record](https://lender.report/lender/first-citizens-bank-and-trust-nc/sba-504/) | Bank | Raleigh, NC | 4 | $3.60M | | [Celtic Bank](https://lender.report/lender/celtic-bank-ut/) [SBA 504 record](https://lender.report/lender/celtic-bank-ut/sba-504/) | Bank | Salt Lake City, UT | 3 | $24.0M | | [United Bank](https://lender.report/lender/united-bank-va/) [SBA 504 record](https://lender.report/lender/united-bank-va/sba-504/) | Bank | Fairfax, VA | 3 | $23.0M | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) [SBA 504 record](https://lender.report/lender/pinnacle-bank-tn/sba-504/) | Bank | Nashville, TN | 3 | $6.90M | | [Happen Bank, National Association](https://lender.report/lender/happen-bank-ut/) [SBA 504 record](https://lender.report/lender/happen-bank-ut/sba-504/) | Bank | Lehi, UT | 3 | $6.70M | | [Vallant Bank](https://lender.report/lender/vallant-bank-ga/) [SBA 504 record](https://lender.report/lender/vallant-bank-ga/sba-504/) | Bank | Elberton, GA | 3 | $5.00M | | [Peoples Bank](https://lender.report/lender/peoples-bank-nc/) | Bank | Newton, NC | 3 | $3.60M | | [Harvest Commercial Capital, LLC](https://lender.report/lender/harvest-commercial-capital/) [SBA 504 record](https://lender.report/lender/harvest-commercial-capital/sba-504/) | Non-bank | Not reported | 3 | $1.90M | | [Poppy Bank](https://lender.report/lender/poppy-bank-ca/) [SBA 504 record](https://lender.report/lender/poppy-bank-ca/sba-504/) | Bank | Santa Rosa, CA | 2 | $11.0M | | [The Park National Bank](https://lender.report/lender/park-national-bank-oh/) [SBA 504 record](https://lender.report/lender/park-national-bank-oh/sba-504/) | Bank | Newark, OH | 2 | $11.0M | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) [SBA 504 record](https://lender.report/lender/newtek-bank-fl/sba-504/) | Bank | Miami, FL | 2 | $9.80M | SBA FOIA, Sep 30, 2026 [See all 70 SBA 504 lenders in North Carolina in Loan Comps](https://lender.report/comps/?lane=sba_504&state=NC) Dollars are first-lien amounts on SBA 504 approvals. - Lenders recorded 224 SBA 504 first liens totaling $488M in North Carolina in the 36 months ending September 30, 2026. SBA FOIA, Sep 30, 2026 - Banks and savings institutions made 199 of those, credit unions 2, and non-banks 10. SBA FOIA, Sep 30, 2026 - The five most active lenders made 33.9% of North Carolina's SBA 504 first liens. SBA FOIA, Sep 30, 2026 - Bank Five Nine recorded the most dollars in North Carolina, at $38.6M. SBA FOIA, Sep 30, 2026 - 16 of these lenders are based in North Carolina. SBA FOIA, Sep 30, 2026 - 5 lenders recorded 10 or more SBA 504 first liens in North Carolina. SBA FOIA, Sep 30, 2026 - 13 of these first liens were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA, Sep 30, 2026 - The SBA file shows 69 SBA 504 approvals in North Carolina dated in the 12 months to September 30, 2026, versus 81 in the prior 12 months. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA, Sep 30, 2026 - The typical SBA 504 first lien in North Carolina was about $1M, with the middle half between $650K and $1.9M. SBA FOIA, Sep 30, 2026 - The median term in North Carolina was 25 years. SBA FOIA, Sep 30, 2026 ## How this list is defined **Measure** SBA 504 first liens in North Carolina **Period** October 2023 to September 2026 **Formula** Count, by lender, of SBA 504 projects located in North Carolina with an approval date in the 36 months ending September 30, 2026, not cancelled, that name the lender as first-lien lender. **Order** Largest first by first liens in the 36 months, then dollars, then name. Payment is not part of the order. **As of** September 30, 2026 **Source** [SBA FOIA](https://data.sba.gov/dataset/7a-504-foia) **Data** [JSON version of this list](https://lender.report/rankings/sba-504-lenders-by-state.json) **Changelog** November 12, 2026: First published, with the data built on this date. Is your institution on this list? [Show your rank](https://lender.report/for-lenders/badge/). It carries the date and links back to this page. An SBA 504 project pairs a first-lien lender with a Certified Development Company that funds a second lien, for owner-occupied real estate and equipment. SBA 504 figures count the first-lien lender on each SBA approval. A project marked not funded is often recent and awaiting funding. Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out. 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](https://lender.report/report/) 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.