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County30th of 99 in North Carolina by approvalsFIPS 37141
SBA loans in Pender 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 52 loans to businesses in Pender County, North Carolina, in FY2021 to FY2025, worth $40.7M: 51 under 7(a) and 1 under 504.
That is 34.7 approvals per 1,000 business establishments (1,499 establishments in 2023), above the North Carolina figure of 28.5 and below the national 41.0.
It ranks 30th of 99 North Carolina counties with approvals. In FY2025 there were 16, up 23% on FY2024.
24 lenders had approvals here; the most active were Live Oak Banking Company (8), TD Bank, National Association (8) and TowneBank (6). The most common industry was services to buildings and dwellings.
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 Pender County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 8 | $14.5M | 15.4% | |
| 2 | TD Bank, National AssociationWilmington, DE | 8 | $1.2M | 15.4% | |
| 3 | TowneBankPortsmouth, VA | 6 | $3.7M | 11.5% | |
| 4 | The Huntington National BankColumbus, OH | 6 | $2.8M | 11.5% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $454K | 5.8% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.8% | |
| 7 | First-Citizens Bank & Trust CompanyRaleigh, NC | 2 | — | 3.8% | |
| 8 | Truist BankCharlotte, NC | 1 | — | 1.9% | |
| 9 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.9% | |
| 10 | Florida Business Development CorporationTampa, FL · CDC | 1 | — | 1.9% | |
| 11 | Bank of Oak RidgeOak Ridge, NC | 1 | — | 1.9% | |
| 12 | North State BankRaleigh, NC | 1 | — | 1.9% | |
| 13 | Fund-Ex Solutions Group, LLCDavie, FL | 1 | — | 1.9% | |
| 14 | Customers BankMalvern, PA | 1 | — | 1.9% | |
| 15 | 1st Financial Bank USADakota Dunes, SD | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 7 | 13.5% | |
| 2 | Residential Building ConstructionNAICS 2361 | 5 | 9.6% | |
| 3 | Beverage ManufacturingNAICS 3121 | 3 | 5.8% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 3 | 5.8% | |
| 5 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 3.8% | |
| 6 | General Freight TruckingNAICS 4841 | 2 | 3.8% | |
| 7 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.8% | |
| 8 | Offices of PhysiciansNAICS 6211 | 2 | 3.8% | |
| 9 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 3.8% | |
| 10 | Consumer Goods RentalNAICS 5322 | 2 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 15.4% | |
| 2 | Health Care and Social Assistance | 7 | 13.5% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 7 | 13.5% | |
| 4 | Retail Trade | 6 | 11.5% | |
| 5 | Manufacturing | 5 | 9.6% | |
| 6 | Real Estate and Rental and Leasing | 3 | 5.8% | |
| 7 | Other Services (except Public Administration) | 3 | 5.8% | |
| 8 | Finance and Insurance | 2 | 3.8% |
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* | 4 | $743K | $167K | 0 | — | 4 | 19 |
| FY2025 | 16 | $13.7M | $350K | 0 | — | 16 | 174 |
| FY2024 | 13 | $10.8M | $354K | 0 | — | 13 | 145 |
| FY2023 | 11 | $7.5M | $393K | 0 | — | 11 | 100 |
| FY2022 | 5 | $4.3M | $1.0M | 0 | — | 5 | 426 |
| FY2021 | 6 | $3.6M | $746K | 1 | — | 7 | 53 |
| FY2020 | 3 | $671K | $270K | 0 | — | 3 | 62 |
| FY2019 | 3 | $1.5M | $150K | 0 | — | 3 | 15 |
| FY2018 | 11 | $3.1M | $50K | 0 | — | 11 | 34 |
| FY2017 | 6 | $2.2M | $158K | 1 | — | 7 | 125 |
| FY2016 | 12 | $9.4M | $310K | 0 | — | 12 | 215 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 36 approvals.
Against North Carolina and the country
| FY2021–FY2025 | Pender County | North Carolina | United States |
|---|---|---|---|
| Approvals | 52 | 7,353 | 342,825 |
| Approvals per 1,000 establishments | 34.7 | 28.5 | 41.0 |
| Median 7(a) approval | $373K | $326K | $190K |
| Median 504 approval | — | $753K | $657K |
| Average approval | $783K | $731K | $573K |
| 504 share of approvals | 1.9% | 6.4% | 11.0% |
| Jobs supported per approval, as reported | 17.3 | 12.2 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less23.1%12
- $50,001 to $150,0007.7%4
- $150,001 to $350,00015.4%8
- $350,001 to $1 million34.6%18
- $1 million to $2 million9.6%5
- Over $2 million9.6%5
Age of the businesses
- Existing, more than 2 years old34.6%18
- New business, 2 years or less21.2%11
- Startup, loan funds will open the business32.7%17
- Change of ownership11.5%6
Questions and answers
Which lenders make the most SBA loans in Pender County?
By approvals in FY2021 to FY2025: Live Oak Banking Company (8), TD Bank, National Association (8), TowneBank (6), The Huntington National Bank (6), Readycap Lending, LLC (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pender County?
The median 7(a) approval was $373K; the North Carolina 7(a) median was $326K.
Which industries get the most SBA loans in Pender County?
Services to Buildings and Dwellings (7); Residential Building Construction (5); Beverage Manufacturing (3); Offices of Other Health Practitioners (3); Agencies, Brokerages, and Other Insurance Related Activities (2).
Is SBA lending in Pender County rising?
Approvals in the three latest complete fiscal years total 40, against 15 in the three before: rising (+167%).
How does Pender County compare with the rest of North Carolina?
34.7 approvals per 1,000 establishments against 28.5 statewide, and 52 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