SBA by industry · NC
SBA lenders for construction trades in North Carolina
74 lenders made 557 SBA loans to construction trades in North Carolina in the 36 months ending September 30, 2026. Live Oak Banking Company made the most, with 36. The typical loan was about $250K.
- Evidence
- SBA 7(a) and 504 loans to construction trades in North Carolina, NAICS 23
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 74
- SBA FOIA,
- SBA loans, 36 months
- 557
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $324M
- SBA FOIA,
- Last 12 months
- 156
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for construction trades in North Carolina, https://lender.report/sba-lenders-for/construction-trades/north-carolina/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 36 | $26.4M | 36 | 0 | 16 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 31 | $9.76M | 31 | 0 | 13 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 31 | $4.82M | 31 | 0 | 4 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 30 | $6.68M | 30 | 0 | 5 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 28 | $18.4M | 28 | 0 | 6 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 26 | $5.76M | 25 | 1 | 3 |
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 26 | $3.81M | 26 | 0 | 8 |
| First Bank SBA 7(a) record | Bank | Southern Pines, NC | 21 | $17.7M | 21 | 0 | 4 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 20 | $29.9M | 20 | 0 | 6 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 18 | $9.76M | 18 | 0 | 1 |
| TowneBank SBA 7(a) record | Bank | Portsmouth, VA | 17 | $20.3M | 13 | 4 | 6 |
| The Fidelity Bank SBA 7(a) record | Bank | Fuquay Varina, NC | 15 | $12.8M | 14 | 1 | 7 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 15 | $4.36M | 15 | 0 | 6 |
| PNC Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 15 | $2.10M | 15 | 0 | 4 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 15 | $1.88M | 15 | 0 | 0 |
| SmartBiz Bank, National Association SBA 7(a) record | Bank | Northbrook, IL | 13 | $2.44M | 13 | 0 | 9 |
| First Community Bank SBA 7(a) record | Bank | Bluefield, VA | 12 | $4.75M | 12 | 0 | 2 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 12 | $4.58M | 12 | 0 | 2 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 12 | $3.00M | 12 | 0 | 4 |
| First-Citizens Bank & Trust Company SBA 7(a) record | Bank | Raleigh, NC | 11 | $5.01M | 10 | 1 | 5 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 10 | $1.78M | 10 | 0 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 10 | $1.65M | 10 | 0 | 3 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 9 | $9.29M | 9 | 0 | 2 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 9 | $1.65M | 9 | 0 | 3 |
| 1st Financial Bank USA SBA 7(a) record | Bank | Dakota Dunes, SD | 7 | $11.8M | 7 | 0 | 2 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Residential Remodelers | 102 |
| All Other Specialty Trade Contractors | 79 |
| Plumbing, Heating, and Air-Conditioning Contractors | 73 |
| New Single-Family Housing Construction (except For-Sale Builders) | 48 |
| Electrical Contractors and Other Wiring Installation Contractors | 46 |
| Roofing Contractors | 23 |
| Flooring Contractors | 21 |
| Painting and Wall Covering Contractors | 19 |
| Commercial and Institutional Building Construction | 15 |
| Other Building Finishing Contractors | 15 |
| Loan size | Loans |
|---|---|
| Under $150K | 157 |
| $150K to $350K | 164 |
| $350K to $1M | 148 |
| $1M to $2.5M | 59 |
| $2.5M or more | 29 |
- SBA lenders recorded 557 loans to construction trades totaling $324.3M in North Carolina in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $250K, with the middle half between $100K and $540K. SBA FOIA,
- 545 were SBA 7(a) loans and 12 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.25% on 545 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 499 of the loans, credit unions 8, and non-banks 50. SBA FOIA,
- The five most active lenders made 28.0% of the loans. SBA FOIA,
- The three most active lenders were Live Oak Banking Company with 36, Northeast Bank with 31, and United Midwest Savings Bank, National Association with 31. SBA FOIA,
- 157 of the loans were under $150K, and 88 were $1M or more. SBA FOIA,
- The SBA file shows 156 approvals of these loans dated in the 12 months to September 30, 2026, versus 202 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 12 of the 74 lenders are based in North Carolina. The rest are based elsewhere, most often in Ohio, Virginia and California. SBA FOIA,
- The most common detailed industry in North Carolina was Residential Remodelers, with 102 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to construction trades in North Carolina
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in North Carolina, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 23.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. 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
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.