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Commercial Mortgage in Charlotte, NC

Find lenders offering commercial mortgage in the Charlotte, including Concord, Gastonia, Huntersville, and surrounding areas. Compare rates, terms, and programs from 51 lenders.

Lenders
51
Typical Rate
6% - 8%
Down Payment
20-30%
Term
5-30 years (often 5-10 year terms with 25-30 year amortization)
Closing Time
30-60 days

Commercial Mortgage Lenders Serving Charlotte

51 lenders offering commercial mortgage in the Charlotte, NC area.

Live Oak Banking Company

Local SBA

WILMINGTON, NC

One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.

628 SBA loans
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Bank of America, National Association

Local SBA

Charlotte, NC

One of the largest banks in the world and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, equipment financing, and comprehensive treasury management.

138 SBA loans
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HomeTrust Bank

Local SBA

ASHEVILLE, NC

Asheville, North Carolina-based regional bank offering SBA 7(a) loans, commercial mortgages, and business banking. Serves small businesses across the Carolinas, Virginia, and Tennessee.

34 SBA loans
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First-Citizens Bank & Trust Company

Local SBA

RALEIGH, NC

One of the largest family-controlled banks in the U.S., headquartered in Raleigh, NC. Offers SBA 7(a) and 504 loans, commercial real estate, equipment financing, and lines of credit for businesses nationwide.

44 SBA loans
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Truliant FCU

Local SBA

Winston-Salem, NC

Winston-Salem, NC-based credit union serving members across the Carolinas and Virginia. Offers SBA 7(a) loans, commercial real estate financing, and business accounts with competitive credit union rates.

28 SBA loans
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The Fidelity Bank

Local SBA

FUQUAY VARINA, NC

Fuquay-Varina, North Carolina-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves businesses in the Raleigh-Durham Triangle region.

20 SBA loans
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The Huntington National Bank

SBA

COLUMBUS, OH

Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.

1337 SBA loans
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Newtek Bank, National Association

SBA

Miami, FL

Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.

1039 SBA loans
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U.S. Bank, National Association

SBA

Cincinnati, OH

Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.

846 SBA loans
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Celtic Bank Corporation

SBA

SALT LAKE CITY, UT

Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.

442 SBA loans
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Readycap Lending, LLC

SBA

BERKELEY HEIGHTS, NJ

Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.

563 SBA loans
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GBank

SBA

LAS VEGAS, NV

Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.

54 SBA loans
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Wells Fargo Bank National Association

SBA

Sioux Falls, SD

One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.

220 SBA loans
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First Internet Bank of Indiana

SBA

FISHERS, IN

Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.

106 SBA loans
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First Bank of the Lake

SBA

Osage Beach, MO

Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.

191 SBA loans
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Charlotte Commercial Real Estate Market

Charlotte is the second-largest banking center in the United States, headquartering Bank of America and Truist Financial, which anchors a dense office market in the Uptown CBD and South End corridors. The South End submarket has transformed into a mixed-use destination along the LYNX Blue Line light rail, attracting tech firms and driving some of the highest office and retail rents outside Uptown. Industrial demand is concentrated along the I-85 corridor through the Northlake and University City areas, fueled by population growth that has consistently placed Charlotte among the top five fastest-growing large metros. The city's Opportunity Zone designations in West Charlotte and the FreeMoreWest neighborhood have drawn new multifamily and mixed-use development capital.

Key Economic Drivers

  • Bank of America and Truist Financial headquarter operations driving Class A office absorption
  • LYNX Blue Line light rail corridor spurring transit-oriented mixed-use development in South End and NoDa
  • I-85 logistics corridor serving a metro population that surpassed 2.6 million
  • Atrium Health and Novant Health systems generating sustained medical office demand

Market Insight

Charlotte's South End submarket has seen over 10 million square feet of new mixed-use development since the LYNX Blue Line opened, making it one of the most active transit-oriented development corridors in the Southeast.

Commercial Mortgage in Charlotte, North Carolina

Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Charlotte metro area, borrowers can access 51 lenders offering Commercial Mortgage financing, including Concord, Gastonia, Huntersville, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.

Who Should Consider Commercial Mortgage?

  • Stabilized income properties
  • Long-term holds
  • Refinancing
  • Experienced investors

Key Requirements

  • Stabilized property with income history
  • DSCR ≥ 1.20-1.25
  • LTV ≤ 75-80%
  • Borrower experience and liquidity

Advantages

  • Lower rates than bridge/hard money
  • Longer terms
  • Predictable payments
  • Build equity over time

Considerations

  • Stricter underwriting
  • Longer closing timeline
  • Prepayment penalties
  • Recourse may be required

Commercial Mortgage in Other North Carolina Cities

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