States › North Carolina › FY2026
FY2026 to date1 Oct 2025 – 30 Jun 2026
SBA loans in North Carolina, FY2026
That fiscal year's approvals by lender and by county.
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.
So far in FY2026 (1 October 2025 to 30 Jun 2026) SBA approved 1,085 loans in North Carolina: 1,028 under 7(a) and 57 under 504, worth $734M.
The fiscal year is still open, so these counts will grow with each quarterly release.
North Carolina accounted for 2.4% of the 45,283 approvals nationwide that year. 122 lenders had at least one approval in the state; Newtek Bank, National Association had the most, 104.
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.
Approvals by lender
The 40 lenders with the most approvals to North Carolina businesses in FY2026, of 122 active.
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2025 | Change |
|---|---|---|---|---|---|---|
| 1 | Mecklenburg County | 204 | $133M | 18.8% | 378 | — |
| 2 | Wake County | 173 | $138M | 15.9% | 324 | — |
| 3 | Guilford County | 49 | $27.6M | 4.5% | 100 | — |
| 4 | Iredell County | 38 | $21.4M | 3.5% | 53 | — |
| 5 | New Hanover County | 37 | $17.6M | 3.4% | 80 | — |
| 6 | Forsyth County | 35 | $27.8M | 3.2% | 64 | — |
| 7 | Buncombe County | 32 | $12.3M | 2.9% | 61 | — |
| 8 | Union County | 25 | $10.5M | 2.3% | 80 | — |
| 9 | Cabarrus County | 23 | $15.6M | 2.1% | 52 | — |
| 10 | Durham County | 22 | $15.7M | 2.0% | 67 | — |
| 11 | Cumberland County | 19 | $13.6M | 1.8% | 34 | — |
| 12 | Johnston County | 19 | $9.5M | 1.8% | 20 | — |
| 13 | Gaston County | 19 | $15.2M | 1.8% | 38 | — |
| 14 | Surry County | 17 | $7.5M | 1.6% | 15 | — |
| 15 | Catawba County | 16 | $6.8M | 1.5% | 25 | — |
| 16 | Orange County | 15 | $4.9M | 1.4% | 30 | — |
| 17 | Alamance County | 14 | $6.6M | 1.3% | 25 | — |
| 18 | Brunswick County | 14 | $14.4M | 1.3% | 19 | — |
| 19 | Lee County | 13 | $11.1M | 1.2% | 13 | — |
| 20 | Harnett County | 12 | $1.2M | 1.1% | 12 | — |
| 21 | Randolph County | 11 | $9.4M | 1.0% | 8 | — |
| 22 | Dare County | 11 | $4.3M | 1.0% | 10 | — |
| 23 | Moore County | 11 | $3.6M | 1.0% | 16 | — |
| 24 | Rowan County | 11 | $18.8M | 1.0% | 14 | — |
| 25 | Davidson County | 11 | $11.0M | 1.0% | 24 | — |
| 26 | Haywood County | 11 | $6.6M | 1.0% | 11 | — |
| 27 | Pitt County | 10 | $5.0M | 0.9% | 13 | — |
| 28 | Henderson County | 10 | $2.6M | 0.9% | 17 | — |
| 29 | Chatham County | 10 | $6.9M | 0.9% | 13 | — |
| 30 | Wilkes County | 10 | $9.5M | 0.9% | 12 | — |
| 31 | Craven County | 9 | $4.7M | 0.8% | 12 | — |
| 32 | Stokes County | 9 | $2.9M | 0.8% | 4 | — |
| 33 | Vance County | 9 | $12.6M | 0.8% | 1 | — |
| 34 | Cleveland County | 7 | $8.0M | 0.6% | 9 | — |
| 35 | Onslow County | 7 | $10.7M | 0.6% | 25 | — |
| 36 | Lincoln County | 7 | $4.6M | 0.6% | 22 | — |
| 37 | Wayne County | 6 | $4.4M | 0.6% | 12 | — |
| 38 | Wilson County | 6 | $1.9M | 0.6% | 6 | — |
| 39 | Rockingham County | 6 | $5.4M | 0.6% | 15 | — |
| 40 | Franklin County | 6 | $1.9M | 0.6% | 16 | — |
The 40 counties with the most approvals; every county is on the North Carolina page.
FY2026 against FY2025
| North Carolina | FY2026 to date | FY2025 |
|---|---|---|
| 7(a) approvals | 1,028 | 1,906 |
| 7(a) dollars | $657M | $1.20bn |
| Median 7(a) approval | $275K | $271K |
| 504 approvals | 57 | 84 |
| 504 dollars | $76.4M | $130M |
| Jobs supported, as reported | 12,021 | 21,928 |
Questions and answers
Which lenders made the most SBA loans in North Carolina in FY2026?
Newtek Bank, National Association (104), Northeast Bank (79), The Huntington National Bank (76), Live Oak Banking Company (69), Readycap Lending, LLC (45). 122 lenders had at least one approval.
How many SBA loans were approved in North Carolina in FY2026?
1,085 to 30 Jun 2026: 1,028 under 7(a) worth $657M and 57 under 504 worth $76.4M.
Which North Carolina counties had the most SBA approvals in FY2026?
Mecklenburg County (204), Wake County (173), Guilford County (49), Iredell County (38), New Hanover County (37).
When does FY2026 start and end?
The federal fiscal year 2026 runs from 1 October 2025 to 30 September 2026. The files used here stop at 30 Jun 2026.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error