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North Carolina · Small business funding

SBA 7(a) Loans in North Carolina

Government-backed loans for North Carolina small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
North Carolina SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in North Carolina

Win-Win Capital Funding arranges SBA 7(a) loans for North Carolina businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

North Carolina SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in North Carolina

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in North Carolina

  • Charlotte
  • Durham
  • Greensboro
  • Raleigh
  • Wilmington

We also lend in suburban, rural and resort markets throughout North Carolina.

More North Carolina financing

Fix & flip loans in North Carolina · Hard money in North Carolina · RV park financing in North Carolina · Business HELOC in North Carolina · Business second mortgage in North Carolina · DSCR Loans in North Carolina · Bridge Loans in North Carolina · Ground-Up Construction Loans in North Carolina

Investors in nearby states can see SBA 7(a) Loans in Virginia, SBA 7(a) Loans in Tennessee, SBA 7(a) Loans in Georgia, SBA 7(a) Loans in South Carolina.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in North Carolina: FAQ

Who qualifies for an SBA 7(a) loan in North Carolina?

For-profit North Carolina small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in North Carolina?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a North Carolina SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in North Carolina with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

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