SBA by industry · NC
SBA lenders for wholesale distributors in North Carolina
44 lenders made 122 SBA loans to wholesale distributors in North Carolina in the 36 months ending September 30, 2026. Newtek Bank, National Association made the most, with 10. The typical loan was about $340K.
- Evidence
- SBA 7(a) and 504 loans to wholesale distributors in North Carolina, NAICS 42
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 44
- SBA FOIA,
- SBA loans, 36 months
- 122
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $90.0M
- SBA FOIA,
- Last 12 months
- 38
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for wholesale distributors in North Carolina, https://lender.report/sba-lenders-for/wholesale/north-carolina/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 10 | $3.01M | 10 | 0 | 7 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 9 | $8.88M | 9 | 0 | 1 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 9 | $5.36M | 9 | 0 | 3 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 9 | $4.45M | 9 | 0 | 1 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 7 | $9.73M | 7 | 0 | 5 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 6 | $870K | 6 | 0 | 0 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 5 | $1.22M | 5 | 0 | 1 |
| CIBC Bank USA SBA 7(a) record | Bank | Chicago, IL | 4 | $4.08M | 4 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 4 | $1.49M | 4 | 0 | 1 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 4 | $780K | 4 | 0 | 1 |
| Beacon Bank and Trust SBA 7(a) record | Bank | Boston, MA | 3 | $3.60M | 3 | 0 | 2 |
| Bank of Oak Ridge SBA 7(a) record | Bank | Oak Ridge, NC | 3 | $2.54M | 3 | 0 | 0 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 3 | $1.87M | 2 | 1 | 0 |
| TowneBank SBA 7(a) record | Bank | Portsmouth, VA | 3 | $925K | 3 | 0 | 0 |
| First-Citizens Bank & Trust Company SBA 7(a) record | Bank | Raleigh, NC | 2 | $5.10M | 2 | 0 | 1 |
| Truist Bank SBA 7(a) record | Bank | Charlotte, NC | 2 | $4.20M | 2 | 0 | 1 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 2 | $3.70M | 2 | 0 | 0 |
| First Bank SBA 7(a) record | Bank | Southern Pines, NC | 2 | $1.46M | 2 | 0 | 1 |
| PNC Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 2 | $900K | 2 | 0 | 0 |
| The Park National Bank SBA 7(a) record | Bank | Newark, OH | 2 | $670K | 2 | 0 | 0 |
| Truliant Credit Union SBA 7(a) record | Credit union | Winston Salem, NC | 2 | $630K | 2 | 0 | 2 |
| Heritage Bank, Inc. SBA 7(a) record | Bank | Burlington, KY | 2 | $500K | 2 | 0 | 0 |
| Banesco USA SBA 7(a) record | Bank | Miami, FL | 2 | $355K | 2 | 0 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 2 | $300K | 2 | 0 | 1 |
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 2 | $275K | 2 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Other Miscellaneous Durable Goods Merchant Wholesalers | 16 |
| Other Grocery and Related Products Merchant Wholesalers | 10 |
| Furniture Merchant Wholesalers | 8 |
| Industrial Machinery and Equipment Merchant Wholesalers | 8 |
| General Line Grocery Merchant Wholesalers | 5 |
| Sporting and Recreational Goods and Supplies Merchant Wholesalers | 5 |
| Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers | 4 |
| Other Electronic Parts and Equipment Merchant Wholesalers | 4 |
| Transportation Equipment and Supplies (except Motor Vehicle) Merchant Wholesalers | 4 |
| Wholesale Trade Agents and Brokers | 4 |
| Loan size | Loans |
|---|---|
| Under $150K | 22 |
| $150K to $350K | 40 |
| $350K to $1M | 29 |
| $1M to $2.5M | 23 |
| $2.5M or more | 8 |
- SBA lenders recorded 122 loans to wholesale distributors totaling $90M in North Carolina in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $340K, with the middle half between $150K and $1.1M. SBA FOIA,
- 118 were SBA 7(a) loans and 4 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.50% on 118 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 111 of the loans, credit unions 3, and non-banks 6. SBA FOIA,
- The five most active lenders made 36.1% of the loans. SBA FOIA,
- The three most active lenders were Newtek Bank, National Association with 10, Bank of America, National Association with 9, and The Huntington National Bank with 9. SBA FOIA,
- 22 of the loans were under $150K, and 31 were $1M or more. SBA FOIA,
- 2 of these loans were 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 38 approvals of these loans dated in the 12 months to September 30, 2026, versus 43 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 10 of the 44 lenders are based in North Carolina. The rest are based elsewhere, most often in Ohio, Florida and Illinois. SBA FOIA,
- The most common detailed industry in North Carolina was Other Miscellaneous Durable Goods Merchant Wholesalers, with 16 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to wholesale distributors 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 42.
- 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.