# TD Bank SBA loans in North Carolina **Short answer:** SBA's loan file shows TD Bank made 120 SBA loans in North Carolina since October 2023. 7.5% went to startups, against 1.4% of its loans nationally. 85.8% went through SBA Express, against 94.5% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/td-bank/north-carolina/ Data as of: 2026-06-30 This site is not TD Bank sbaexpress.loans is not TD Bank, and TD Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from TD Bank. These are the 120 SBA 7(a) loans [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) made in [North Carolina](https://www.sbaexpress.loans/north-carolina-small-business-loans/) approved October 2023 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. ## How TD Bank differs in North Carolina **What this means for you.** If yours is a new business, TD Bank funded startups more often here than it did elsewhere. ### Startups 7.5% of the loans in North Carolina went to startups, where the loan opens the business, against 1.4% of its loans nationally. Startups (the loan opens the business), share of loans, Oct 2023 to Jun 2026 - North Carolina: 7.5% - All its U.S. loans: 1.4% ### SBA Express 85.8% of the loans in North Carolina went through SBA Express, against 94.5% of its loans nationally. SBA Express, share of loans, Oct 2023 to Jun 2026 - North Carolina: 85.8% - All its U.S. loans: 94.5% We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. One more difference is in the table. ## North Carolina next to the U.S. **North Carolina compared with all of TD Bank's U.S. loans, October 2023 to June 2026** | Measure | North Carolina | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 3.1% | 4.6% | No clear gap | | Median loan | $55,000 | $50,000 | No clear gap | | Middle half of loans | $25,000 to $250,000 | $25,000 to $140,000 | – | | Startups (the loan opens the business) | 7.5% | 1.4% | Clearly higher | | In business 2 years or less | 34.2% | 26.4% | No clear gap | | In business more than 2 years | 56.7% | 71.8% | Clearly lower | | Change of ownership | Fewer than 5 | 0.4% | n/a | | SBA Express | 85.8% | 94.5% | Clearly lower | | Lines of credit | 77.5% | 86.0% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3 points over Prime | 3 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What TD Bank lends to in North Carolina The 2 industries below account for 13 of the 120 loans approved October 2023 to June 2026, or 10.8%. An industry is listed when it has 5 or more of them, five at most. **Top industries in North Carolina** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Residential Remodelers](https://www.sbaexpress.loans/industries/residential-remodelers/) | 8 | 6.7% | 5.7% | | [General Automotive Repair](https://www.sbaexpress.loans/industries/general-automotive-repair/) | 5 | 4.2% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## TD Bank in other states Other states where these loans differ clearly from the national pattern, most loans first. **TD Bank by state** | State | Loans since October 2019 | | --- | --- | | [New York](https://www.sbaexpress.loans/sba-express-lenders/td-bank/new-york/) | 3,908 | | [South Carolina](https://www.sbaexpress.loans/sba-express-lenders/td-bank/south-carolina/) | 586 | | [Virginia](https://www.sbaexpress.loans/sba-express-lenders/td-bank/virginia/) | 194 | ## Other lenders in North Carolina Other lenders in North Carolina with a clear difference from the national pattern, most loans first. **Other lenders in North Carolina** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/north-carolina/) | 529 | | [Pinnacle Bank (Nashville, TN)](https://www.sbaexpress.loans/sba-express-lenders/pinnacle-bank/north-carolina/) | 274 | | [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/north-carolina/) | 223 | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/north-carolina/) | 96 | | [First Financial Bank (El Dorado, AR)](https://www.sbaexpress.loans/sba-express-lenders/first-financial-bank-ar/north-carolina/) | 63 | 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. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2023 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [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)