City directory · North Carolina
CDFI lenders in Charlotte, NC
4 Treasury-certified CDFIs are headquartered in Charlotte, North Carolina: 3 loan funds · 1 credit union. Loan details confirmed from their own websites for 1. Source: CDFI Fund list as of 21 Oct 2026.
- Certified
- 4
- Verified
- 1
- In North Carolina
- 25
Headquarters is not the same as service area: lenders elsewhere in North Carolina may also lend in Charlotte. See all 25 CDFIs in North Carolina.
Loan types confirmed on these lenders' websites
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
- Small-business loans (1 lender)
- Business Expansion Funding CorporationLoan fund · Charlotte, NCSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- ASPIRE Community CapitalLoan fund · Charlotte, NCOfficial list only
- DreamKey Partners Mortgage, Inc.Loan fund · Charlotte, NCOfficial list only
- Nova Credit UnionCredit union · Charlotte, NCOfficial list only
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- North Carolina Small Business and Technology Development Center ~University of North Carolina at Charlotte~Southern Piedmont Region SBTDCSmall Business Development Center · 9319 Robert D. Snyder Road, PORTAL Building, Suite 216, Charlotte, NC 28223704-687-0440
- Charlotte SCORESCORE mentoring · 6302 Fairview Road, Suite 300, Charlotte, NC 28210704-344-6576
- Women's Business Center of CharlotteWomen's Business Center · 916 W. 5th St., Charlotte, NC 28202704-509-5884
- SBA Charlotte - Main office officeSBA district office · 6302 Fairview Road, Suite 300, Charlotte, NC 28210704-344-6563
Housing counseling
- Alliance Credit Counseling, Inc.HUD-approved housing counselor · 8000 Corporate Center Dr, Charlotte, NC 28226704-341-1010
- Charlotte Center for Legal AdvocacyHUD-approved housing counselor · 5535 Albemarle Rd, Charlotte, NC 28212704-376-1600
- Community LinkHUD-approved housing counselor · 601 E 5th St Ste 220, Charlotte, NC 28202800-977-1969
- DreamKey PartnersHUD-approved housing counselor · 4601 Charlotte Park Dr Ste 350, Charlotte, NC 28217704-342-0933
- Money Management International - Charlotte, N.C. BranchHUD-approved housing counselor · 10130 Perimeter Pkwy Ste 200, Charlotte, NC 28216866-232-9080
- NACA (Neighborhood Assistance Corporation of America)HUD-approved housing counselor · 5855 Executive Center Dr Suite 400, Charlotte, NC 28212606-230-6222
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other North Carolina cities with several CDFIs
Source: CDFI Atlas, cdfiatlas.com/states/nc/charlotte/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).