Commercial Lenders in South Carolina
Browse 141 lenders serving South Carolina across DSCR, SBA, bridge, construction, hard money, and more.
South 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 South Carolina Lenders
141 commercial lenders serving South 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.
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.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
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.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
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 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.
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.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
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.
Citizens Bank
SBAELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Community Bank & Trust-West Georgia
SBALAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
KeyBank National Association
SBACLEVELAND, OH
Major regional bank and SBA preferred lender with nationwide commercial banking operations. Offers SBA 7(a) and 504 loans, conventional business lending, commercial real estate, equipment finance, and capital markets services.
Hanmi Bank
SBALOS ANGELES, CA
Community bank primarily serving Korean-American and multi-ethnic communities across the U.S. A top SBA 7(a) lender offering commercial real estate loans, SBA lending, trade finance, and full-service business banking.
Metro City Bank
SBADORAVILLE, GA
Community bank headquartered in the Atlanta metro area, serving diverse business communities nationwide. A top SBA 7(a) lender specializing in commercial real estate, hospitality, and gas station financing.
Bankwell Bank
SBANew Canaan, CT
Connecticut-based community bank and SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, commercial real estate financing, and business banking services in the New England region.
VelocitySBA, LLC
SBAIrving, TX
Non-bank SBA preferred lender specializing exclusively in SBA 7(a) loans for commercial real estate acquisition. Focuses on hotel, gas station, and convenience store financing with a streamlined approval process.
Climate First Bank
SBASt. Petersburg, FL
Mission-driven community bank focused on sustainability and an SBA preferred lender. Offers SBA 7(a) loans, solar and clean energy financing, commercial real estate lending, and conventional business loans with a focus on environmentally beneficial projects.
Lendistry SBLC, LLC
SBALos Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Milestone Bank
SBASalt Lake City, UT
Utah-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate, business acquisitions, and expansion financing in the Mountain West region.
The Bancorp Bank National Association
SBASioux Falls, SD
Fintech-enabling bank and SBA preferred lender. Provides SBA 7(a) loans alongside its primary business of providing private-label banking and financial services through fintech partnerships.
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.
Complete South Carolina Lender Directory
All 141 commercial lenders serving South Carolina, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- 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
- Appalachian Development Corporation — Greenville, SC
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Bank of America — Charlotte, NC
- Bank of Oak Ridge — OAK RIDGE, NC
- Barclays — New York, NY
- BayFirst National Bank — Saint Petersburg, FL
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Business Expansion Funding Corporation — Charlotte, NC
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Certified Development Corporation of South Carolina — Columbia, SC
- Change Lending
- Citigroup — New York, NY
- Civic Financial Services — Redondo Beach, CA
- Constitution Lending
- CoreVest Finance — Irvine, CA
- Countybank — GREENWOOD, SC
- Cross River Bank — Fort Lee, NJ
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Finance of America — Plano, TX
- First Bank — HAMILTON, NJ
- First Command Bank — FORT WORTH, TX
- First Community Bank — Batesville, AR
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- 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
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- LendingClub Bank, National Association — LEHI, UT
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Mechanics and Farmers Bank — Durham, NC
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- 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
- Paragon Bank — Memphis, TN
- Park Place Finance
- Pinnacle Bank — MORGAN HILL, CA
- Planet Home Lending — Meriden, CT
- 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
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- ServisFirst Bank — BIRMINGHAM, AL
- SouthState Bank, National Association — WINTER HAVEN, FL
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
Commercial Lending in South Carolina
South Carolina has attracted major manufacturing investments from BMW, Boeing, Volvo, and others, establishing a strong advanced manufacturing corridor. Charleston's port growth and tourism economy drive significant CRE demand along the coast.
South Carolina assesses commercial property at only 6% of fair market value, one of the lowest assessment ratios in the nation, resulting in favorable effective tax rates for CRE investors. The state's fee-in-lieu-of-taxes (FILOT) program allows negotiated property tax rates for qualifying manufacturing and commercial projects, often reducing effective rates by 50% or more. Charleston's rapid growth has created a competitive CRE market, but the city's aggressive flood mitigation requirements and the Dutch Dialogues-inspired stormwater management standards add costs that investors should factor into coastal commercial development budgets.
Key Industries
Foreclosure Type
Judicial
Foreclosures go through the court system, which can take 6-18+ months.
Lenders by City in South Carolina
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