Joe Diggs
SBA Lending Sales Manager

30 Years
Banking Experience
6310 Fairview Road
Charlotte, NC 28210

Leadership and service starts with being in the people business.  Sell the problem you solve, not the product.

Client Focus

  • Businesses that generate $500,000 – $25,000,000 in annual revenues that are eligible to borrow funds in compliance with U.S. Small Business Administration standards.
  • Financing small businesses with lending capabilities ranging from $350,000 – $5,000,000 for the following uses of capital: franchise lending, merger & acquisition, partner buyout, owner-occupied commercial real estate, construction, working capital, equipment finance, start-up funding, business growth/expansion, leasehold improvements or debt consolidation.


  • 30-year financial services background within the commercial lending, commercial real estate, credit risk, capital markets & federal regulatory sectors. Professional career encompasses formal credit training, comprehensive lending, loan structuring, risk management, underwriting, and loan review expertise.  Recognized for creating & heading business units, superior credit skills, establishing policy and underwriting platforms – career shows an ascending trend of increased levels of responsibility, sound decision-making and judgment that implements best practice, acute business acumen and internal controls. Other superlatives include business unit head, executive committee membership, credit approval authority, regulatory examiner, business development & driving profitability for publicly-traded and private companies.


  • John F. Kennedy Special Warfare College, Special Operations, Ft. Bragg, NC
  • Sellinger School of Business at Loyola University, MBA – Finance
  • B.S. Business Administration & Accounting, Strayer University


  • U.S. Army Reserves, Staff Sergeant, Special Operations Forces, Civil Affairs & Military Intelligence
  • Queens University, Charlotte, NC – Guest Lecturer
  • USA Boxing – Ringside 2012 Lt. Heavyweight Champion
  • 9Round Fitness – Franchise Owner & Operator

Representative Transactions

  • SBA 7(a) Lending – +$100MM originated, financed and sold
  • Commercial Mortgage Backed Securities – +$500MM securitized
  • Commercial Real Estate Finance & Construction Lending – $5B portfolio origination
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