Bank of Oak Ridge

Bank of Oak Ridge is an employee-owned community bank headquartered in Oak Ridge, NC, serving businesses across North Carolina and Virginia. It holds SBA Preferred Lender status, meaning it can process SBA loans in-house — typically a faster path than going through a non-preferred lender. The small-business lending lineup covers term loans, SBA loans, lines of credit, commercial real estate financing, construction finance, and equipment finance, making it a practical option across most growth stages. With accredited operating history stretching back over two decades and a strong reputation among the businesses it serves, the bank appears well suited for owners who value a relationship-driven lender over a larger regional or national institution. Rates, minimums, and loan sizes aren't publicly listed, so you'll need to connect with their lending team directly. Businesses outside NC and VA fall outside its footprint.