Offices of Certified Public Accountants acquisitions in North Carolina: SBA loan data
Since FY2018, SBA lenders have approved 40 7(a) loans to buy an existing business classified as Offices of Certified Public Accountants in North Carolina, totaling $22.7M. The median loan was $475,000. That is 2.5% of the 1,575 acquisition loans in North Carolina.
- Loans, FY2018-FY2026
- 40
- Median loan
- $475,000 (middle half $256,450 to $689,500)
- Top lender
- Live Oak Banking Company (53%, 21 loans)
- FY2026 loans (latest complete year)
- 8
SBA lenders approved 40 7(a) loans to buy a business classified as Offices of Certified Public Accountants in North Carolina from FY2018-FY2026, with a median of $475,000 and a middle half of $256,450 to $689,500. Live Oak Banking Company made 53% of them. FY2026 had 8 loans.
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How Offices of Certified Public Accountants in North Carolina compares
| Measure | Offices of Certified Public... | North Carolina, all industries | Offices of Certified..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $475,000 | $800,000 | $495,000 | $645,250 |
| Middle half of loans | $256,450 to $689,500 | $350,000 to $1,800,000 | $270,000 to $933,625 | $283,000 to $1,465,000 |
| Average initial rate | 8.22% | 7.92% | 7.69% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 2.1% | 2.9% | 3.5% |
| Loans in sample | 40 | 1,575 | 620 | 48,902 |
The median for Offices of Certified Public Accountants acquisition loans in North Carolina is $475,000, well below the $800,000 median for all North Carolina acquisitions, in line with the $495,000 median for Offices of Certified Public Accountants acquisitions nationwide and below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $256,450 to $689,500, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 8.22%, above the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Offices of Certified Public... | All acquisitions |
|---|---|---|
| Under $350K | 40% | 30% |
| $350K to under $1M | 45% | 33% |
| $1M to under $2M | 13% | 19% |
| $2M and over | 3% | 17% |
Most Offices of Certified Public Accountants acquisition loans in North Carolina (85%) were under $1M, and the largest single band is $350K to under $1M at 45%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 53% of Offices of Certified Public Accountants acquisition loans in North Carolina, and the top three lenders together made 65%. 2 of the 15 lenders involved made three or more. Only 2 lenders have repeat experience here. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 15 Offices of Certified Public Accountants acquisition loans in North Carolina were approved. That is 50% more than the 10 approved in FY2023 and FY2024. The median was $445,500, slightly below the $475,000 median across all years.
Offices of Certified Public Accountants acquisition loans in North Carolina by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 4 | $1.6M | $327,500 | |
| FY2020 | 2 | $1.7M | $870,350 | |
| FY2021 | 4 | $2.8M | $710,000 | |
| FY2022 | 5 | $2.2M | $450,000 | |
| FY2023 | 7 | $3.9M | $500,000 | |
| FY2024 | 3 | $2.6M | $1,190,300 | |
| FY2025 | 7 | $4.7M | $550,000 | |
| FY2026 | 8 | $3.1M | $301,200 |
How often do these acquisition loans fail?
Fewer than 20 Offices of Certified Public Accountants in North Carolina acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 21 | 52.5% | $10.2M | |
| 2 | U.S. Bank, National Association | 3 | 7.5% | $2.7M | |
| 3 | The Huntington National Bank | 2 | 5.0% | $1.4M | |
| 4 | Customers Bank | 2 | 5.0% | $1M | |
| 5 | United Community Bank | 2 | 5.0% | $750K |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Offices of Certified Public Accountants acquisitions in North Carolina run?
The median SBA 7(a) loan was $475,000 across 40 loans (FY2018 to FY2026), with the middle half between $256,450 and $689,500. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Certified Public Accountants acquisitions in North Carolina?
Live Oak Banking Company (21), U.S. Bank, National Association (3), The Huntington National Bank (2), Customers Bank (2), United Community Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Certified Public Accountants acquisition loans fail in North Carolina?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Offices of Certified Public Accountants acquisitions in North Carolina?
None of the 40 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy an Offices of Certified Public Accountants business in North Carolina?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Offices of Certified Public Accountants acquisition loans in North Carolina was $475,000, and the middle half ran $256,450 to $689,500.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 15 Offices of Certified Public Accountants acquisition loans in North Carolina in FY2025 and FY2026.
Which banks make SBA loans for an Offices of Certified Public Accountants business in North Carolina?
By loan count, FY2018 to FY2026: Live Oak Banking Company (21), U.S. Bank, National Association (3), The Huntington National Bank (2), Customers Bank (2), United Community Bank (2). Live Oak Banking Company made 53% of Offices of Certified Public Accountants acquisition loans in North Carolina. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
The purchase agreement decides what you bought, not the loan approval.
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Related
- All North Carolina acquisitions
- Financing one? How to get an SBA loan to buy a CPA firm
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Small samples move a lot: each loan in this combination is 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Certified Public Accountants in North Carolina: SBA acquisition loan data", https://sbaacquisitiondata.com/state/nc/offices-of-certified-public-accountants-541211 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/nc/offices-of-certified-public-accountants-541211.json.