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County21st of 99 in North Carolina by approvalsFIPS 37125
SBA loans in Moore County, North Carolina
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 68 loans to businesses in Moore County, North Carolina, in FY2021 to FY2025, worth $72.8M: 64 under 7(a) and 4 under 504.
That is 27.0 approvals per 1,000 business establishments (2,516 establishments in 2023), close to the North Carolina figure of 28.5 and below the national 41.0.
It ranks 21st of 99 North Carolina counties with approvals. In FY2025 there were 16, about level with FY2024.
36 lenders had approvals here; the most active were Live Oak Banking Company (11), The Huntington National Bank (6) and Business Expansion Funding Corporation (4). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Moore County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 11 | $16.0M | 16.2% | |
| 2 | The Huntington National BankColumbus, OH | 6 | $1.2M | 8.8% | |
| 3 | Business Expansion Funding CorporationCharlotte, NC · CDC | 4 | $6.0M | 5.9% | |
| 4 | The Fidelity BankFuquay Varina, NC | 3 | $1.4M | 4.4% | |
| 5 | GBankLas Vegas, NV | 2 | — | 2.9% | |
| 6 | Commonwealth Business BankLos Angeles, CA | 2 | — | 2.9% | |
| 7 | HomeTrust BankAsheville, NC | 2 | — | 2.9% | |
| 8 | The First Bank and Trust CompanyLebanon, VA | 2 | — | 2.9% | |
| 9 | First BankSouthern Pines, NC | 2 | — | 2.9% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.9% | |
| 11 | TowneBankPortsmouth, VA | 2 | — | 2.9% | |
| 12 | North State BankRaleigh, NC | 2 | — | 2.9% | |
| 13 | First Financial BankEl Dorado, AR | 2 | — | 2.9% | |
| 14 | PNC Bank, National AssociationWilmington, DE | 2 | — | 2.9% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 10.3% | |
| 2 | Traveler AccommodationNAICS 7211 | 6 | 8.8% | |
| 3 | Poultry and Egg ProductionNAICS 1123 | 4 | 5.9% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 4 | 5.9% | |
| 5 | Other Miscellaneous RetailersNAICS 4599 | 3 | 4.4% | |
| 6 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 4.4% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 3 | 4.4% | |
| 8 | Coating, Engraving, Heat Treating, and Allied ActivitiesNAICS 3328 | 2 | 2.9% | |
| 9 | Lessors of Real EstateNAICS 5311 | 2 | 2.9% | |
| 10 | Health and Personal Care StoresNAICS 4461 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 13 | 19.1% | |
| 2 | Retail Trade | 10 | 14.7% | |
| 3 | Professional, Scientific, and Technical Services | 8 | 11.8% | |
| 4 | Construction | 6 | 8.8% | |
| 5 | Other Services (except Public Administration) | 6 | 8.8% | |
| 6 | Manufacturing | 5 | 7.4% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 4 | 5.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 4 | 5.9% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 11 | $3.6M | $200K | 0 | — | 11 | 61 |
| FY2025 | 16 | $10.7M | $330K | 0 | — | 16 | 122 |
| FY2024 | 15 | $14.5M | $491K | 0 | — | 15 | 124 |
| FY2023 | 15 | $17.4M | $300K | 2 | — | 17 | 266 |
| FY2022 | 5 | $4.5M | $332K | 0 | — | 5 | 20 |
| FY2021 | 13 | $19.7M | $1.2M | 2 | — | 15 | 151 |
| FY2020 | 7 | $6.6M | $489K | 0 | — | 7 | 59 |
| FY2019 | 11 | $4.9M | $265K | 0 | — | 11 | 104 |
| FY2018 | 9 | $5.4M | $175K | 1 | — | 10 | 56 |
| FY2017 | 16 | $12.5M | $350K | 0 | — | 16 | 110 |
| FY2016 | 18 | $12.4M | $388K | 0 | — | 18 | 146 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 62 approvals.
Against North Carolina and the country
| FY2021–FY2025 | Moore County | North Carolina | United States |
|---|---|---|---|
| Approvals | 68 | 7,353 | 342,825 |
| Approvals per 1,000 establishments | 27.0 | 28.5 | 41.0 |
| Median 7(a) approval | $420K | $326K | $190K |
| Median 504 approval | $374K | $753K | $657K |
| Average approval | $1.1M | $731K | $573K |
| 504 share of approvals | 5.9% | 6.4% | 11.0% |
| Jobs supported per approval, as reported | 10.0 | 12.2 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less8.8%6
- $50,001 to $150,00014.7%10
- $150,001 to $350,00017.6%12
- $350,001 to $1 million30.9%21
- $1 million to $2 million8.8%6
- Over $2 million19.1%13
Age of the businesses
- Existing, more than 2 years old33.8%23
- New business, 2 years or less8.8%6
- Startup, loan funds will open the business30.9%21
- Change of ownership25.0%17
- Not answered1.5%1
Questions and answers
Which lenders make the most SBA loans in Moore County?
By approvals in FY2021 to FY2025: Live Oak Banking Company (11), The Huntington National Bank (6), Business Expansion Funding Corporation (4), The Fidelity Bank (3), GBank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Moore County?
The median 7(a) approval was $420K and the median 504 approval $374K; the North Carolina 7(a) median was $326K.
Which industries get the most SBA loans in Moore County?
Restaurants and Other Eating Places (7); Traveler Accommodation (6); Poultry and Egg Production (4); Other Professional, Scientific, and Technical Services (4); Other Miscellaneous Retailers (3).
Is SBA lending in Moore County rising?
Approvals in the three latest complete fiscal years total 48, against 27 in the three before: rising (+78%).
How does Moore County compare with the rest of North Carolina?
27.0 approvals per 1,000 establishments against 28.5 statewide, and 68 of the state's 7,353 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error