Commercial Lenders in North Carolina
Browse 175 lenders serving North Carolina across DSCR, SBA, bridge, construction, hard money, and more.
North Carolina Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll North Carolina Lenders
175 commercial lenders serving North Carolina.
Live Oak Banking Company
SBAWILMINGTON, 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.
Bank of America, National Association
SBACharlotte, 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.
HomeTrust Bank
SBAASHEVILLE, 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.
First-Citizens Bank & Trust Company
SBARALEIGH, 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.
Truliant FCU
SBAWinston-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.
Business Expansion Funding Corporation
SBACharlotte, NC
Charlotte, North Carolina-based nonprofit Certified Development Company providing SBA 504 loans to small businesses in the Carolinas. Offers long-term, fixed-rate financing for commercial real estate and equipment.
The Fidelity Bank
SBAFUQUAY 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.
Bank of America
Charlotte, NC
One of the largest US banks. Commercial real estate lending, construction financing, and SBA loans through nationwide branch network.
Deephaven Mortgage
Charlotte, NC
Wholesale non-QM lender with a popular DSCR product for real estate investors. Qualifies on property cash flow with no personal income verification required.
North State Bank
SBARALEIGH, NC
Bank of Oak Ridge
SBAOAK RIDGE, NC
Carolina Business Capital, Inc.
SBACharlotte, NC
Mechanics and Farmers Bank
SBADurham, NC
Carolina Small Business Development Fund
SBARaleigh, NC
Southern Bank and Trust Company
SBAMOUNT OLIVE, NC
The Huntington National Bank
SBACOLUMBUS, 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.
Newtek Bank, National Association
SBAMiami, 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.
U.S. Bank, National Association
SBACincinnati, 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.
Celtic Bank Corporation
SBASALT 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.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
Readycap Lending, LLC
SBABERKELEY 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.
GBank
SBALAS 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.
Wells Fargo Bank National Association
SBASioux 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.
First Internet Bank of Indiana
SBAFISHERS, 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.
First Bank of the Lake
SBAOsage 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.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Port 51 Lending LLC
SBANew York, NY
Non-bank SBA preferred lender specializing in high-value SBA 7(a) loans for commercial real estate and business acquisitions. Focuses on larger SBA transactions with an average deal size well above industry norms.
TD Bank, National Association
SBAWILMINGTON, DE
One of the 10 largest banks in the U.S. and a major SBA preferred lender. Offers SBA 7(a) and Express loans, conventional business lending, commercial real estate, and treasury management services across the eastern U.S.
Complete North Carolina Lender Directory
All 175 commercial lenders serving North Carolina, A–Z.
- 1st Financial Bank USA — DAKOTA DUNES, SD
- 504 Capital Corporation — Chesapeake, VA
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Atlantic Union Bank — RICHMOND, VA
- Banesco USA — Miami, FL
- Bank Five Nine — OCONOMOWOC, WI
- Bank of Clarke — BERRYVILLE, VA
- Bank OZK — LITTLE ROCK, AR
- Bankwell Bank — New Canaan, CT
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Business Finance Group, Inc. — Fairfax, VA
- Cadence Bank — TUPELO, MS
- Capital Bank, National Association — ROCKVILLE, MD
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Community Bank & Trust-West Georgia — LAGRANGE, GA
- Constitution Lending
- CoreVest Finance — Irvine, CA
- Countybank — GREENWOOD, SC
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Defy Mortgage
- Deutsche Bank — New York, NY
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Enterprise Bank & Trust — CLAYTON, MO
- Finance of America — Plano, TX
- First Bank — HAMILTON, NJ
- First Business Bank — MADISON, WI
- First Commonwealth Bank — Indiana, PA
- First Community Bank — Batesville, AR
- First Financial Bank — Cincinnati, OH
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- First Pryority Bank — Pryor, OK
- First Savings Bank — Beresford, SD
- Flagstar Bank — Hicksville, NY
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Hanmi Bank — LOS ANGELES, CA
- Heritage Bank Inc — Burlington, KY
- Highland Bank — St. Paul, MN
- Hometown Bank — KENT, OH
- HomeXpress Mortgage
- iBorrow
- Integro Bank — Phoenix, AZ
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Merchants Capital — Indianapolis, IN
- Meridian Bank — MALVERN, PA
- Mesa West Capital — Los Angeles, CA
- Metro City Bank — DORAVILLE, GA
- Midwest Regional Bank — FESTUS, MO
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Oaktree Funding
- Oconee State Bank — WATKINSVILLE, GA
- Old National Bank — EVANSVILLE, IN
- Paragon Bank — Memphis, TN
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- PCB Bank — LOS ANGELES, CA
- Peoples Bank — BELLINGHAM, WA
- Pinnacle Bank — MORGAN HILL, CA
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Provident Business Financial Services, Inc. — West Columbia, SC
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Regions Bank — BIRMINGHAM, AL
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- SouthState Bank, National Association — WINTER HAVEN, FL
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- Stone Bank — MOUNTAIN VIEW, AR
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- United Community Bank — Greenville, SC
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Woori America Bank — New York, NY
Commercial Lending in North Carolina
North Carolina has emerged as a top-tier technology and life sciences destination, with the Research Triangle consistently ranking among the nation's best markets for CRE investment. Charlotte is the second-largest banking center in the U.S. after New York.
North Carolina's power of sale foreclosure process can be completed in as little as 60 to 90 days, providing strong lender protections and faster recovery on distressed commercial assets. The state's corporate income tax rate has been reduced to among the lowest in the nation, contributing to a wave of corporate relocations that drive CRE demand across the Charlotte and Raleigh-Durham metros. North Carolina's Development Zone credits and One North Carolina Fund grants can meaningfully offset CRE project costs in qualifying areas, particularly for projects creating significant employment.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).
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