SBA 504 Loans in Charlotte, NC
Find lenders offering sba 504 loans in the Charlotte, including Concord, Gastonia, Huntersville, and surrounding areas. Compare rates, terms, and programs from 21 lenders.
Which SBA 504 lenders serve Charlotte?
21 lenders offering sba 504 loans in the Charlotte, NC area.
Live Oak Banking Company
Local 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.
First-Citizens Bank & Trust Company
Local 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.
Business Expansion Funding Corporation
Local 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.
Carolina Business Capital, Inc.
Local SBACharlotte, 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.
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.
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.
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.
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.
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.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
United Community Bank
SBAGreenville, SC
Regional bank serving the Southeast and an SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and comprehensive business banking.
East West Bank
SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
Grasshopper Bank National Association
SBANew York, NY
New York-based digital business bank offering SBA 7(a) and 504 loans, commercial lending, and innovative banking solutions. Combines fintech convenience with traditional banking for small business owners and startups.
What does the Charlotte commercial real estate market look like?
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.
How do sba 504 loans work in Charlotte, North Carolina?
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Charlotte metro area, borrowers can access 21 lenders offering SBA 504 financing, including Concord, Gastonia, Huntersville, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who should consider sba 504 loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
What are the key requirements?
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Charlotte FAQ
How many SBA 504 lenders serve Charlotte, NC? ▼
What are SBA 504 loan rates in Charlotte? ▼
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
Where else can I find sba 504 loans in North Carolina?
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