SBA Lending in Charlotte, North Carolina
The SBA FOIA record lists 4,135 7(a) approvals worth $1.7B for businesses in Charlotte, NC, and annual volume has grown 4% versus the prior decade.
- 4,135
- 7(a) loans
- $1.7B
- Approved dollars
- $407,859
- Average loan size
- #1
- Rank in North Carolina
- +4%
- Annualized vs prior decade
- 5.9%
- Active-status distress
Charlotte is the #1 SBA 7(a) market in North Carolina and #31 in the country. Since 1991 the FOIA record lists 4,135 approvals here worth $1.7B, averaging $407,859 each. Annual approval volume has grown 4% between FY2013-2019 and FY2020-2026. Among 842 active-status loans, 5.9% are delinquent, past due, or in liquidation. The local business type with the most listed records is full-service restaurants.
What Charlotte borrows for
Who lends in Charlotte
Open the national map, drill into North Carolina, and compare Charlotte against every zip code in the state.
Open the interactive map ↗7(a) loans only, approved and not cancelled, gross basis, grouped by the borrower's city as filed. Active-status distress counts DELINQ, PSTDUE, or LIQUID loans as a share of CURR, DELINQ, PSTDUE, LIQUID, or DEFERD loans. Approval is not funding. FOIA record as of March 31, 2026. Methodology.