SBA lending data · fiscal year 2025
39 lenders funded full-service restaurants in North Carolina last year
91 SBA 7(a) loans approved under NAICS 722511. Median approval $491,000, median term 120 months, median initial rate 10%.
What was actually approved
Half of all approvals in this industry and state fell between $150,000 and $962,500. 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.
- 1The Huntington National Bank13 loans · $9.3M
- 2Northeast Bank10 loans · $1.8M
- 3Newtek Bank, National Association8 loans · $2.6M
- 4TowneBank6 loans · $7.1M
- 5Pinnacle Bank4 loans · $2.7M
- 6Bank of Oak Ridge3 loans · $4M
- 7TD Bank, National Association3 loans · $3.8M
- 8Citizens Bank3 loans · $3.6M
- 9Fifth Third Bank3 loans · $1.2M
- 10GBank3 loans · $2.6M
- 11SouthState Bank, National Association2 loans · $0.8M
- 12Wells Fargo Bank National Association2 loans · $0M
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 | 70 | 28 | $500,000 |
| FY2024 | 84 | 33 | $414,800 |
| FY2025 | 91 | 39 | $491,000 |
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
- 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
- Other Personal Care Services · 38 loans
Full-Service Restaurants in other states
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