Best Business Loans in Charlotte, NC

Compare 6 business loans companies serving Charlotte, North Carolina. Average rating: 4.4/5.

6 Companies 6 Rated Payday: Banned

North Carolina Lending Regulations

North Carolina banned payday lending in 2001, becoming one of the first states to do so. Consumer finance companies are regulated with rate caps. Consumers can file complaints with the Commissioner of Banks or the Attorney General's Consumer Protection Division.

Usury cap: 8% general; 30% for consumer finance loans under $10,000; payday lending banned since 2001 Agency: North Carolina Attorney General Consumer Protection Division

Top-Rated Business Loans

ADR Financial Group

ADR Financial Group helps business owners and entrepreneurs secure $50K-$250K in 0% interest business funding through credit-based strategies without requiring collateral or financial statements.

4.4/5

Contact BBB: NR

Best for: Entrepreneurs and business owners with good personal credit (680+) seeking business credit cards for working capital without traditional collateral, Self-directed business owners wanting educational resources and lender lists to apply for 0% business credit independently

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BEFCOR Business Expansion Funding Corporation

Non-profit SBA 504 lender serving small businesses across North Carolina and select South Carolina counties with fixed-rate financing for real estate, construction, and expansion.

4.4/5

Contact BBB: NR

Best for: Small business owners in North Carolina or four South Carolina counties seeking $150K-$1M+ financing for real estate, construction, or major expansion who were declined by traditional banks, Entrepreneurs who value mission-driven lending and want financing structured to preserve working capital with long-term fixed rates and lower down payments

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Benifyt

Benifyt is an unsecured business funding marketplace that matches small businesses with loan options including term loans, lines of credit, and merchant cash advances.

4.4/5

Contact BBB: NR

Best for: Small business owners with established monthly revenue ($10K+) seeking fast access to unsecured capital, Businesses looking to consolidate existing merchant cash advances or other debt

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National Credit Funding

National Credit Funding provides equipment financing for businesses, offering $5,000-$300,000 loans with 24-hour approvals for new or used equipment purchases across all 50 states.

4.4/5

Contact BBB: NR

Best for: Construction, transportation, and manufacturing companies needing to purchase equipment quickly, Equipment vendors and dealers seeking a financing partner to offer customers

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Aspire Community Capital

Charlotte-based nonprofit CDFI offering microloans under $10K with minimal documentation and larger loans up to $10K+ for established small businesses, plus business development boot camps.

4.3/5

Contact BBB: NR

Best for: Charlotte-area entrepreneurs with six+ months of operating history seeking $5K-$15K in capital, Small business owners who want business education alongside financing access

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Commercial Credit Group Inc

Commercial Credit Group finances heavy equipment for construction, manufacturing, transportation, and waste industries with flexible terms and industry expertise.

4.3/5

Contact BBB: NR

Best for: Construction companies needing heavy equipment financing or refinancing, Transportation and trucking businesses acquiring or upgrading commercial vehicles

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All Business Loans in Charlotte (6)

ADR Financial Group

ADR Financial Group helps business owners and entrepreneurs secure $50K-$250K in 0% interest business funding through credit-based strategies without requiring collateral or financial statements.

4.4/5

Contact BBB: NR

View Details

BEFCOR Business Expansion Funding Corporation

Non-profit SBA 504 lender serving small businesses across North Carolina and select South Carolina counties with fixed-rate financing for real estate, construction, and expansion.

4.4/5

Contact BBB: NR

View Details

Benifyt

Benifyt is an unsecured business funding marketplace that matches small businesses with loan options including term loans, lines of credit, and merchant cash advances.

4.4/5

Contact BBB: NR

Best for: Small business owners with established monthly revenue ($10K+) seeking fast access to unsecured capital, Businesses looking to consolidate existing merchant cash advances or other debt

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National Credit Funding

National Credit Funding provides equipment financing for businesses, offering $5,000-$300,000 loans with 24-hour approvals for new or used equipment purchases across all 50 states.

4.4/5

Contact BBB: NR

Best for: Construction, transportation, and manufacturing companies needing to purchase equipment quickly, Equipment vendors and dealers seeking a financing partner to offer customers

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Aspire Community Capital

Charlotte-based nonprofit CDFI offering microloans under $10K with minimal documentation and larger loans up to $10K+ for established small businesses, plus business development boot camps.

4.3/5

Contact BBB: NR

Best for: Charlotte-area entrepreneurs with six+ months of operating history seeking $5K-$15K in capital, Small business owners who want business education alongside financing access

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Commercial Credit Group Inc

Commercial Credit Group finances heavy equipment for construction, manufacturing, transportation, and waste industries with flexible terms and industry expertise.

4.3/5

Contact BBB: NR

Best for: Construction companies needing heavy equipment financing or refinancing, Transportation and trucking businesses acquiring or upgrading commercial vehicles

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