SBA 7(a) lenders in Richland, SC

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

96 institutions have SBA 7(a) loans on record in Richland, together $408.3M across 801 loans. Live Oak Banking Company is the largest, with 12% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	28	$47.8M	11.7%	0.00%
2	TD Bank, National Association	105	$35.0M	8.6%	0.26%
3	Pinnacle Bank	21	$21.0M	5.2%	3.43%
4	The Huntington National Bank	35	$18.8M	4.6%	7.43%
5	United Community Bank	19	$16.6M	4.1%	0.00%
6	Business Development Corporation of South Carolina	47	$15.6M	3.8%	2.04%
7	Wells Fargo Bank National Association	89	$14.1M	3.5%	8.22%
8	First-Citizens Bank & Trust Company	12	$13.2M	3.2%	6.35%
9	Citizens Bank	10	$12.4M	3.0%	0.00%
10	GBank	4	$11.0M	2.7%	0.00%
11	Regions Bank	4	$10.2M	2.5%	0.00%
12	Truist Bank	21	$9.7M	2.4%	8.67%
13	Readycap Lending, LLC	18	$8.8M	2.2%	0.44%
14	Peoples Bank	2	$8.2M	2.0%	0.00%
15	SouthState Bank, National Association	17	$8.1M	2.0%	0.00%
16	BankUnited, National Association	4	$6.2M	1.5%	0.00%
17	Business Carolina, Inc.	10	$5.8M	1.4%	0.00%
18	Fifth Third Bank	2	$5.7M	1.4%	0.00%
19	Coastal States Bank	2	$5.4M	1.3%	2.83%
20	Metro City Bank	7	$5.3M	1.3%	0.00%
21	HomeTrust Bank	5	$5.1M	1.3%	0.00%
22	United Midwest Savings Bank National Association	21	$5.0M	1.2%	3.94%
23	Central Bank	1	$5.0M	1.2%	0.00%
24	Newtek Bank, National Association	8	$4.5M	1.1%	0.00%
25	Northeast Bank	22	$4.3M	1.1%	2.49%
26	Stone Bank	1	$4.2M	1.0%	0.00%
27	Bank of Hope	23	$4.1M	1.0%	1.89%
28	PNC Bank, National Association	7	$4.1M	1.0%	0.00%
29	Banc of California	2	$4.0M	1.0%	0.00%
30	Capital Bank, National Association	4	$3.9M	1.0%	0.00%
31	Byline Bank	4	$3.8M	0.9%	0.00%
32	Lender 2057189	7	$3.5M	0.9%	0.00%
33	Celtic Bank Corporation	21	$3.5M	0.9%	17.52%
34	BayFirst National Bank	17	$3.5M	0.8%	10.86%
35	First Internet Bank of Indiana	2	$3.3M	0.8%	0.00%
36	Seacoast National Bank	1	$3.2M	0.8%	0.00%
37	Security Federal Bank	9	$3.1M	0.8%	0.00%
38	PromiseOne Bank	1	$3.0M	0.7%	0.00%
39	Optus Bank	2	$2.9M	0.7%	0.00%
40	First Community Bank	4	$2.8M	0.7%	0.00%
41	Paragon Bank	1	$2.8M	0.7%	0.00%
42	Firstrust Savings Bank	2	$2.8M	0.7%	0.00%
43	Unity Bank	2	$2.7M	0.7%	0.00%
44	Climate First Bank	1	$2.4M	0.6%	0.00%
45	Embassy National Bank	1	$2.2M	0.5%	0.00%
46	Harvest Small Business Finance, LLC	1	$2.0M	0.5%	0.00%
47	Port 51 Lending LLC	2	$2.0M	0.5%	0.00%
48	First Bank	2	$1.8M	0.4%	0.00%
49	North State Bank	1	$1.7M	0.4%	0.00%
50	Stearns Bank National Association	4	$1.6M	0.4%	0.00%
51	FinWise Bank	3	$1.6M	0.4%	0.00%
52	BizCapital BIDCO I, LLC	1	$1.5M	0.4%	0.00%
53	Genesis Bank	2	$1.4M	0.4%	0.00%
54	Bank of America, National Association	8	$1.4M	0.3%	0.00%
55	Columbia Bank	15	$1.3M	0.3%	2.67%
56	First Horizon Bank	6	$1.3M	0.3%	0.00%
57	PCB Bank	1	$1.2M	0.3%	0.00%
58	First Financial Bank	1	$1.2M	0.3%	0.00%
59	The Fidelity Bank	3	$1.2M	0.3%	0.00%
60	Truliant FCU	1	$1.1M	0.3%	0.00%
61	Pineland Bank	1	$1.1M	0.3%	0.00%
62	Customers Bank	1	$992K	0.2%	88.28%
63	Simmons Bank	4	$988K	0.2%	0.00%
64	Countybank	3	$955K	0.2%	0.00%
65	Ameris Bank	3	$925K	0.2%	0.00%
66	Lender 2582371	2	$918K	0.2%	0.00%
67	United Bank of Philadelphia	2	$873K	0.2%	0.00%
68	ACC Capital	1	$855K	0.2%	0.00%
69	First Bank of the Lake	1	$766K	0.2%	0.00%
70	VelocitySBA, LLC	69	$710K	0.2%	19.41%
71	FWBank	1	$694K	0.2%	0.00%
72	Federal Deposit Insurance Corporation	3	$671K	0.2%	44.09%
73	First National Bank of Pennsylvania	1	$553K	0.1%	84.68%
74	East West Bank	1	$497K	0.1%	0.00%
75	Independence Bank	4	$450K	0.1%	22.82%
76	Bank Five Nine	1	$445K	0.1%	0.00%
77	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$441K	0.1%	0.00%
78	Community West Bank	1	$399K	0.1%	14.60%
79	Popular Bank	2	$386K	0.1%	0.00%
80	Evolve Bank and Trust	1	$360K	0.1%	0.00%
81	Western Commerce Bank	1	$356K	0.1%	0.00%
82	Bankwell Bank	1	$350K	0.1%	0.00%
83	Midwest Regional Bank	1	$296K	0.1%	0.00%
84	Honda FCU	1	$291K	0.1%	0.00%
85	CLIMB Fund	1	$250K	0.1%	0.00%
86	Shoreham Bank	2	$250K	0.1%	0.00%
87	Magnifi Financial CU	1	$182K	0.0%	0.00%
88	LiftFund, Inc.	1	$171K	0.0%	0.00%
89	Lendistry SBLC, LLC	2	$159K	0.0%	0.00%
90	Heritage Bank Inc	1	$150K	0.0%	0.00%
91	Colony Bank	1	$150K	0.0%	0.00%
92	United Bank	1	$146K	0.0%	0.00%
93	First Merchants Bank	1	$125K	0.0%	0.00%
94	First Bank	1	$109K	0.0%	0.00%
95	U.S. Bank, National Association	3	$100K	0.0%	0.00%
96	Palmetto Citizens FCU	1	$74K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	130	$120.1M	29.4%
2	Wholesale trade	43	$46.0M	11.3%
3	Health care & social assistance	85	$42.7M	10.5%
4	Other services	76	$35.6M	8.7%
5	Retail trade	68	$26.4M	6.5%
6	Professional & technical services	70	$25.6M	6.3%
7	Retail trade	54	$19.7M	4.8%
8	Manufacturing	18	$14.3M	3.5%
9	Construction	70	$13.6M	3.3%
10	Real estate & leasing	22	$12.7M	3.1%
11	Administrative & waste services	46	$10.2M	2.5%
12	Arts, entertainment & recreation	24	$9.6M	2.4%
13	Manufacturing	10	$7.5M	1.8%
14	Finance & insurance	27	$6.2M	1.5%
15	Transportation & warehousing	27	$5.4M	1.3%
16	Agriculture, forestry & fishing	2	$4.6M	1.1%
17	Educational services	15	$3.9M	1.0%
18	Information	6	$3.1M	0.8%
19	Manufacturing	5	$858K	0.2%
20	Public administration	1	$124K	0.0%
21	Transportation & warehousing	2	$111K	0.0%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.