SBA lending data · fiscal year 2025
22 lenders funded child care services in North Carolina last year
35 SBA 7(a) loans approved under NAICS 624410. Median approval $487,800, median term 120 months, median initial rate 9.75%.
What was actually approved
Half of all approvals in this industry and state fell between $130,000 and $1,032,000. 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.
- 1TowneBank4 loans · $4.8M
- 2Bank of America, National Association3 loans · $2.4M
- 3Pinnacle Bank2 loans · $1.7M
- 4Regions Bank2 loans · $1.1M
- 5North State Bank2 loans · $0.7M
- 6Newtek Bank, National Association2 loans · $0.5M
- 7HomeTrust Bank2 loans · $2.1M
- 8Celtic Bank Corporation2 loans · $0.3M
- 9BayFirst National Bank2 loans · $0.2M
- 10The Huntington National Bank2 loans · $0.1M
- 11Live Oak Banking Company1 loan · $1.1M
- 12First Command Bank1 loan · $0.7M
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 year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 22 | 19 | $577,650 |
| FY2024 | 24 | 19 | $418,000 |
| FY2025 | 35 | 22 | $487,800 |
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
- Full-Service Restaurants · 91 loans
- Limited-Service Restaurants · 70 loans
- Residential Remodelers · 48 loans
- Hotels (except Casino Hotels) and Motels · 46 loans
- Fitness and Recreational Sports Centers · 45 loans
- Snack and Nonalcoholic Beverage Bars · 41 loans
- New Single-Family Housing Construction (except For-Sale Builders) · 40 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 38 loans
Your plan can name these lenders
Every plan we build pulls this same data for your state and industry, positions your request against the real distribution of approvals, and computes the coverage ratio your deal is actually held to.
See your free preview