SBA by industry · NC
SBA lenders for gas stations and convenience stores in North Carolina
23 lenders made 43 SBA loans to gas stations and convenience stores in North Carolina in the 36 months ending September 30, 2026. Citizens Bank made the most, with 7. The typical loan was about $930K.
- Evidence
- SBA 7(a) and 504 loans to gas stations and convenience stores in North Carolina, NAICS 4471, 4571, 445131 and 44512
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 23
- SBA FOIA,
- SBA loans, 36 months
- 43
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $41.8M
- SBA FOIA,
- Last 12 months
- 13
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for gas stations and convenience stores in North Carolina, https://lender.report/sba-lenders-for/gas-stations-and-convenience/north-carolina/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 7 | $6.15M | 7 | 0 | 0 |
| Bank of Oak Ridge SBA 7(a) record | Bank | Oak Ridge, NC | 4 | $3.90M | 4 | 0 | 2 |
| Metro City Bank SBA 7(a) record | Bank | Doraville, GA | 3 | $2.45M | 3 | 0 | 1 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 2 | $4.52M | 2 | 0 | 0 |
| Enterprise Bank & Trust SBA 7(a) record | Bank | Clayton, MO | 2 | $2.40M | 2 | 0 | 1 |
| First Bank SBA 7(a) record | Bank | Southern Pines, NC | 2 | $2.05M | 2 | 0 | 0 |
| Commonwealth Business Bank SBA 7(a) record | Bank | Los Angeles, CA | 2 | $1.80M | 2 | 0 | 0 |
| Truliant Credit Union SBA 7(a) record | Credit union | Winston Salem, NC | 2 | $1.68M | 2 | 0 | 0 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 2 | $1.50M | 2 | 0 | 0 |
| First Community Bank SBA 7(a) record | Bank | Bluefield, VA | 2 | $1.44M | 2 | 0 | 0 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 2 | $1.23M | 2 | 0 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 1 | $2.70M | 1 | 0 | 0 |
| Byline Bank SBA 7(a) record | Bank | Chicago, IL | 1 | $2.10M | 1 | 0 | 1 |
| TowneBank SBA 7(a) record | Bank | Portsmouth, VA | 1 | $2.00M | 1 | 0 | 0 |
| First Community Bank SBA 7(a) record | Bank | Lexington, SC | 1 | $1.80M | 1 | 0 | 1 |
| GBank SBA 7(a) record | Bank | Las Vegas, NV | 1 | $1.30M | 1 | 0 | 1 |
| Select Bank SBA 7(a) record | Bank | Forest, VA | 1 | $930K | 1 | 0 | 1 |
| North State Bank SBA 7(a) record | Bank | Raleigh, NC | 1 | $840K | 1 | 0 | 1 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 1 | $350K | 1 | 0 | 0 |
| Craft Bank SBA 7(a) record | Bank | Atlanta, GA | 1 | $170K | 1 | 0 | 0 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 1 | $150K | 1 | 0 | 0 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 1 | $150K | 1 | 0 | 0 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 1 | $150K | 1 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Gasoline Stations with Convenience Stores | 36 |
| Convenience Retailers | 6 |
| Other Gasoline Stations | 1 |
| Loan size | Loans |
|---|---|
| Under $150K | 0 |
| $150K to $350K | 7 |
| $350K to $1M | 15 |
| $1M to $2.5M | 18 |
| $2.5M or more | 2 |
- SBA lenders recorded 43 loans to gas stations and convenience stores totaling $41.8M in North Carolina in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $930K, with the middle half between $460K and $1.3M. SBA FOIA,
- 42 were SBA 7(a) loans and 0 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.50% on 42 loans. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Banks and savings institutions made 35 of the loans, credit unions 2, and non-banks 5. SBA FOIA,
- The five most active lenders made 41.9% of the loans. SBA FOIA,
- The three most active lenders were Citizens Bank with 7, Bank of Oak Ridge with 4, and Metro City Bank with 3. SBA FOIA,
- 1 of these loans was made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 13 approvals of these loans dated in the 12 months to September 30, 2026, versus 19 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 4 of the 23 lenders are based in North Carolina. The rest are based elsewhere, most often in California, Virginia and Florida. SBA FOIA,
- The most common detailed industry in North Carolina was Gasoline Stations with Convenience Stores, with 36 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to gas stations and convenience stores 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 4471, 4571, 445131 and 44512.
- 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.