SBA Lending in Charlotte, North Carolina
Businesses in Charlotte, NC have drawn 4,135 SBA 7(a) loans worth $1.7B, 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
- 12.0%
- Active-loan distress
Charlotte is the #1 SBA 7(a) market in North Carolina and #31 in the country. Since 1991 lenders have approved 4,135 loans here worth $1.7B, averaging $407,859 each. Annual approval volume has grown 4% between FY2013-2019 and FY2020-2026. 12.0% of the active book is delinquent, past due, or in liquidation. The most-funded local business type 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. Distress is the current share of the active book in delinquent, past-due, or liquidation status. Approval is not funding. FOIA record as of March 31, 2026.