SBA by industry · NC
SBA lenders for restaurants in North Carolina
99 lenders made 527 SBA loans to restaurants in North Carolina in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 86. The typical loan was about $420K.
- Evidence
- SBA 7(a) and 504 loans to restaurants in North Carolina, NAICS 722
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 99
- SBA FOIA,
- SBA loans, 36 months
- 527
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $354M
- SBA FOIA,
- Last 12 months
- 148
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for restaurants in North Carolina, https://lender.report/sba-lenders-for/restaurants/north-carolina/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 86 | $32.6M | 86 | 0 | 23 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 24 | $26.1M | 24 | 0 | 8 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 22 | $4.44M | 22 | 0 | 4 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 20 | $9.06M | 20 | 0 | 4 |
| First Bank SBA 7(a) record | Bank | Southern Pines, NC | 17 | $15.0M | 17 | 0 | 7 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 17 | $3.00M | 17 | 0 | 4 |
| The Fidelity Bank SBA 7(a) record | Bank | Fuquay Varina, NC | 16 | $15.0M | 16 | 0 | 3 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 16 | $14.5M | 16 | 0 | 4 |
| TowneBank SBA 7(a) record | Bank | Portsmouth, VA | 15 | $19.9M | 15 | 0 | 5 |
| Bank of Oak Ridge SBA 7(a) record | Bank | Oak Ridge, NC | 15 | $13.0M | 15 | 0 | 2 |
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 13 | $10.8M | 11 | 2 | 2 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 13 | $1.88M | 13 | 0 | 2 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 11 | $3.31M | 11 | 0 | 0 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 10 | $7.52M | 10 | 0 | 3 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 9 | $6.70M | 9 | 0 | 1 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 8 | $7.93M | 8 | 0 | 3 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 8 | $7.24M | 8 | 0 | 1 |
| Fifth Third Bank, National Association SBA 7(a) record | Bank | Cincinnati, OH | 8 | $4.90M | 8 | 0 | 3 |
| PNC Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 8 | $2.21M | 8 | 0 | 3 |
| Mountain Bizcapital, Inc. SBA 7(a) record | Non-bank | Asheville, NC | 8 | $1.59M | 8 | 0 | 1 |
| Truliant Credit Union SBA 7(a) record | Credit union | Winston Salem, NC | 7 | $8.30M | 7 | 0 | 2 |
| Gulf Coast Bank and Trust Company SBA 7(a) record | Bank | New Orleans, LA | 7 | $6.50M | 7 | 0 | 0 |
| ConnectOne Bank SBA 7(a) record | Bank | Englewood Cliffs, NJ | 7 | $3.61M | 7 | 0 | 1 |
| Carolina Small Business Development Fund SBA 7(a) record | Non-bank | Raleigh, NC | 7 | $1.86M | 7 | 0 | 2 |
| North State Bank SBA 7(a) record | Bank | Raleigh, NC | 6 | $13.5M | 6 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 204 |
| Limited-Service Restaurants | 163 |
| Snack and Nonalcoholic Beverage Bars | 74 |
| Drinking Places (Alcoholic Beverages) | 47 |
| Caterers | 15 |
| Mobile Food Services | 14 |
| Food Service Contractors | 6 |
| Cafeterias, Grill Buffets, and Buffets | 4 |
| Loan size | Loans |
|---|---|
| Under $150K | 121 |
| $150K to $350K | 98 |
| $350K to $1M | 206 |
| $1M to $2.5M | 75 |
| $2.5M or more | 26 |
- SBA lenders recorded 527 loans to restaurants totaling $354.3M in North Carolina in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $420K, with the middle half between $150K and $800K. SBA FOIA,
- 517 were SBA 7(a) loans and 9 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 517 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 456 of the loans, credit unions 10, and non-banks 60. SBA FOIA,
- The five most active lenders made 32.1% of the loans. SBA FOIA,
- The three most active lenders were The Huntington National Bank with 86, Live Oak Banking Company with 24, and Readycap Lending, LLC with 22. SBA FOIA,
- 121 of the loans were under $150K, and 101 were $1M or more. 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 148 approvals of these loans dated in the 12 months to September 30, 2026, versus 203 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 16 of the 99 lenders are based in North Carolina. The rest are based elsewhere, most often in California, Florida and Pennsylvania. SBA FOIA,
- The most common detailed industry in North Carolina was Full-Service Restaurants, with 204 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to restaurants 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 722.
- 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.