CDFI lenders in North Carolina

• 3 · Name a county or town in NCLender websites, read 29 Oct 2026–4 Nov 2026
• 2 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
• 5 · Name North Carolina or part of itLender websites, read 29 Oct 2026–4 Nov 2026
• 20 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
• 40 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026

Each lender is listed once, under the strongest evidence we have. 25 certified CDFIs are headquartered in North Carolina (CDFI Fund list, 21 Oct 2026); 5 of them appear in the first groups because their website names an area here.

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

14 certified loan funds headquartered in North Carolina are matched to a Form 990 or 990-EZ; median total assets $8.9M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.

Certified CDFIs were the lender, the CDC or the third-party lender on 602 SBA approvals (236 7(a) loans and 366 504 projects) for borrowers in North Carolina in fiscal years 2020–2026, from 20 CDFIs. The 7(a) loans total $130M approved.

Most SBA approvals here: Business Expansion Funding Corporation (363), Mountain BizCapital, Inc. d/b/a Mountain BizWorks (65), Carolina Small Business Development Fund (The Support Center) (60), Mechanics and Farmers Bank (31), Peoples Bank (25).

Approval is not disbursement. Each lender page shows its own SBA figures.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

19,945 loans and investments totaling $1.4B (median $9,000) were reported to the CDFI Fund for borrowers and projects in North Carolina in fiscal year 2022, by 94 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Of 7,012 individual borrowers whose income was reported, 41% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 106,486 consumer loans in North Carolina totaling $977.2M (Consumer Loan Report, tract totals, so no median); they counted 56% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 78 North Carolina counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

Loans and investments reported in other years: FY2018 10,855 · FY2019 12,922 · FY2020 13,661 · FY2021 30,931.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

25 certified CDFIs: 14 loan funds · 10 credit unions · 1 bank or thrift; 1 flagged Native. A headquarters address is not a service area; each lender is also listed in its group above.

• Asheville (2): Mountain BizCapital, Inc. d/b/a Mountain BizWorks, Mountain Housing Opportunities Loan Fund
• Charlotte (4): ASPIRE Community Capital, Business Expansion Funding Corporation, DreamKey Partners Mortgage, Inc., Nova Credit Union · city page
• Cherokee (1): Sequoyah Fund Inc., The
• Durham (6): Institute Capital, Inc., Latino Community Credit Union, Mechanics and Farmers Bank, SELF-HELP CREDIT UNION, Self-Help Federal Credit Union, Self-Help Ventures Fund · city page
• Fayetteville (1): Bragg Mutual FCU
• Greensboro (2): Piedmont Business Capital, Revity Federal Credit Union
• Hickory (1): Shuford Federal Credit Union
• Jacksonville (1): Marine Federal Credit Union (INC)
• Plymouth (1): Weyco Community Credit Union
• Raleigh (4): CAHEC Capital, Inc., Carolina Community Impact, Inc., Carolina Small Business Development Fund (The Support Center), Civic Federal Credit Union · city page
• Winston Salem (1): Cares Project, Inc., The
• Zebulon (1): Great Rivers Community Trust, DBA Scale Link