# Small business loans in Fayetteville, NC

**Short answer:** The most active SBA lenders in Fayetteville, NC since FY2024 are Readycap Lending, LLC (8 loans) and Northeast Bank (5). The median loan was $325,000, and half fell between $150,000 and $791,000. For free help, see the North Carolina Small Business and Technology Development Center. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/north-carolina-small-business-loans/fayetteville/
Data as of: 2026-06-30

## Lenders making SBA loans in Fayetteville

No lender made more than 13% of the loans in Fayetteville, and Readycap Lending, LLC made the most.

**Lenders with five or more SBA loans in Fayetteville, NC, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [Readycap Lending, LLC](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/): Non-bank lender | 8 | 13.1% |
| [Northeast Bank](https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/) | 5 | 8.2% |

Share is the percent of all Fayetteville loans in that period. Each name links to that lender's page for North Carolina where one exists.

Fayetteville has two lenders with five or more loans since FY2024. Others had fewer, and the North Carolina page counts 171 lenders with at least one approved loan statewide.

## Local help near Fayetteville

Fayetteville borrowers can start with SBA's district office for North Carolina, an SBDC or SCORE.

49% of Fayetteville borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

SBA has one district office for North Carolina. Its page points to state and federal resources and to lenders in the area. The North Carolina Small Business and Technology Development Center gives free counseling across North Carolina.

- [SBA North Carolina District Office (Charlotte, with a Wilmington branch): SBA district office](https://www.sba.gov/district/north-carolina)
- [North Carolina Small Business and Technology Development Center: Small Business Development Center](https://sbtdc.org/)
- [SCORE mentors in North Carolina: Business mentoring](https://www.score.org/nc/)

## Loan counts and sizes in Fayetteville

Fayetteville ranks 11th by loans since FY2024 among the 12 North Carolina cities with 100 or more SBA loans since FY2020. Nationally it is the 446th busiest of the 580 cities that reach 100 loans.

The 61 loans, 1.6% of the 3,871 in North Carolina, were approved for $51.3 million in all. The median loan was $325,000, 2.2 times the national median of $150,300. Half of the loans fell between $150,000 and $791,000. The Fayetteville median is 8% above the North Carolina median of $300,000.

**Fayetteville, NC compared with North Carolina and the nation, loans from FY2024 to June 2026**

| Measure | Fayetteville | North Carolina | U.S. |
| --- | --- | --- | --- |
| Loans | 61 | 3,871 | 162,355 |
| Median loan | $325,000 | $300,000 | $150,300 |
| 25th percentile | $150,000 | $102,500 | $50,000 |
| 75th percentile | $791,000 | $710,500 | $500,000 |
| Via SBA Express | Fewer than 5 | 22.3% | 35.8% |
| Lines of credit | Fewer than 5 | 18.0% | 28.1% |
| Startups | 34.4% | 22.7% | 16.1% |
| Ownership changes | 16.4% | 13.7% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 2.1% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

67% of the loans were $500,000 or less, the size SBA Express covers. Fewer than 5 of all loans went through SBA Express, below the national 35.8%. Fewer than 5 of the loans were lines of credit, below the national 28.1%.

SBA loans in Fayetteville, NC by size, FY2024 to June 2026

- $50,000 or less (13%): 8
- $50,001 to $150,000 (20%): 12
- $150,001 to $350,000 (20%): 12
- $350,001 to $500,000 (15%): 9
- $500,001 to $1,000,000 (13%): 8
- $1,000,001 to $2,000,000 (10%): 6
- Over $2,000,000 (10%): 6

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 34.4% of loans went to businesses more than two years old and 14.8% to businesses two years old or younger. Startups received 34.4% and changes of ownership 16.4%. The national startup share is 16.1%.

SBA loans in Fayetteville, NC by fiscal year

- FY2020: 14
- FY2021: 19
- FY2022: 16
- FY2023: 25
- FY2024: 25
- FY2025: 23
- FY2026 (through June 30): 13

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume fell 8% from FY2024 (25 loans) to FY2025 (23), the two latest full years. The busiest full year in the file was FY2023, with 25 loans. FY2026 already shows 13 loans through June 30.

Of the 49 loans Fayetteville borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 735 jobs supported across the 61 loans since FY2024, about 12.0 per loan. SBA does not audit these estimates.

## What businesses in Fayetteville borrow for

Hotels (except Casino Hotels) and Motels was the largest borrower group in Fayetteville, with 9 loans or 14.8% of the total.

**Industries with the most SBA loans in Fayetteville, NC, FY2024 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Hotels (except Casino Hotels) and Motels](https://www.sbaexpress.loans/industries/hotels-motels/north-carolina/) | 9 | 14.8% | 1.1% |

Share is the percent of all Fayetteville loans in that period. Industry is the NAICS code on each loan. A name links to the North Carolina page for that industry where one exists.

## A typical loan payment in Fayetteville

The median Fayetteville loan was $325,000 with a median term of 10 years.

The median variable-rate loan in Fayetteville was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $325,000 over 10 years, principal and interest would come to about $4,250 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Fayetteville loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $150,000 | $1,962 |
| Median loan | $325,000 | $4,250 |
| 75th percentile loan | $791,000 | $10,344 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $325,000 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 1.8 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Fayetteville loans approved since FY2024 had a median starting rate of 10% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $350,000 loan](https://www.sbaexpress.loans/loan-amounts/350000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Fayetteville

Fayetteville has 6 SBA 504 loans since FY2020, with $6.6 million in SBA and CDC dollars.

Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.

Business Expansion Funding Corporation is the one Certified Development Company (CDC) named on five or more loans, 5 since FY2020.

**CDCs named on five or more 504 loans in Fayetteville, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Business Expansion Funding Corporation | 5 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## North Carolina cities near Fayetteville

Fayetteville made up 1.6% of North Carolina's SBA loans since FY2024.

Fayetteville is one of 12 North Carolina cities with 100 or more SBA loans since FY2020. The [North Carolina page](https://www.sbaexpress.loans/north-carolina-small-business-loans/) covers all 3,871 loans in North Carolina. The closest come first, ranked by county and ZIP code on their loans.

- [Charlotte: 560 loans, median $260,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/charlotte/)
- [Wilmington: 138 loans, median $346,300](https://www.sbaexpress.loans/north-carolina-small-business-loans/wilmington/)
- [Mooresville: 69 loans, median $350,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/mooresville/)
- [Concord: 70 loans, median $250,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/concord/)
- [Asheville: 86 loans, median $262,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/asheville/)
- [Durham: 131 loans, median $325,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/durham/)
- [Raleigh: 287 loans, median $343,800](https://www.sbaexpress.loans/north-carolina-small-business-loans/raleigh/)
- [Cary: 98 loans, median $309,000](https://www.sbaexpress.loans/north-carolina-small-business-loans/cary/)

## Common questions about SBA loans in Fayetteville

### Which lenders make the most SBA loans in Fayetteville?

Readycap Lending, LLC leads with 8 loans in Fayetteville since FY2024. Northeast Bank (5) follows. Only lenders with five or more Fayetteville loans are counted.

### Which industries get SBA loans in Fayetteville?

Hotels (except Casino Hotels) and Motels leads with 9 loans in Fayetteville since FY2024.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA North Carolina District Office (Charlotte, with a Wilmington branch)](https://www.sba.gov/district/north-carolina)
- [North Carolina Small Business and Technology Development Center](https://sbtdc.org/)
- [SCORE, North Carolina](https://www.score.org/nc/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)