SBA lending data · fiscal year 2025

15 lenders funded all other specialty trade contractors in North Carolina last year

27 SBA 7(a) loans approved under NAICS 238990. Median approval $350,000, median term 120 months, median initial rate 10%.

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What was actually approved

27
loans approved
15
distinct lenders
$175k
25th percentile
$548k
75th percentile

Half of all approvals in this industry and state fell between $175,000 and $547,500. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.

The most active lenders

Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.

  1. 1Pinnacle Bank5 loans · $6.4M
  2. 2U.S. Bank, National Association3 loans · $3.9M
  3. 3JPMorgan Chase Bank, National Association2 loans · $0.8M
  4. 4PNC Bank, National Association2 loans · $0.2M
  5. 5First Community Bank2 loans · $0.5M
  6. 6Northeast Bank2 loans · $0.5M
  7. 7Readycap Lending, LLC2 loans · $0.6M
  8. 8The Huntington National Bank2 loans · $1.8M
  9. 9Wells Fargo Bank National Association1 loan · $0M
  10. 10First Commonwealth Bank1 loan · $0.4M
  11. 11Lendistry SBLC, LLC1 loan · $0.3M
  12. 12Celtic Bank Corporation1 loan · $0.6M

This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.

Is this industry getting easier or harder to finance?

Fiscal yearLoansLendersMedian approval
FY20232316$281,400
FY20242817$242,500
FY20252715$350,000

Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.

Where this comes from

The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.

This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.

Other industries in North Carolina

All Other Specialty Trade Contractors in other states

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