STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
289
2011–2026
Total Volume
$174M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
289 total segments
Avidia Bank has a strong focus on existing businesses, with 57% of their deals supporting established companies. This makes them a solid choice for borrowers looking to expand or refinance existing operations.
With an average 7(a) spread of P+2.11%, Avidia Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall borrowing costs for your loan.
Avidia Bank's 22% share of 504 loans indicates a balanced approach to lending, making them suitable for borrowers seeking real estate financing alongside traditional business loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 64 504 loans, which use fixed SBA debenture rates.
States where Avidia Bank has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Transportation & Warehousing
Transportation & Warehousing
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Avidia Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+2.50% | $98K | Q2 2025 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 8 | P+1.88% | $279K | Q3 2022 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+1.00% | $454K | Q2 2025 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.63% | $96K | Q2 2023 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+1.88% | $87K | Q1 2025 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $69K | Q3 2022 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.50% | $225K | Q1 2025 |
| Massachusetts · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+2.38% | $699K | Q3 2021 |
| Massachusetts · Manufacturing · $1M – $2M | 7(a) | 4 | P+2.75% | $1.6M | Q1 2021 |
| Massachusetts · Manufacturing · $2M – $5M | 7(a) | 4 | P+2.63% | $2.5M | Q2 2018 |
| Massachusetts · Physician & Dental Offices · $500K – $1M | 504 | 4 | — | $681K | Q3 2021 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.75% | $102K | Q2 2020 |
| Massachusetts · Social Assistance · Under $150K | 7(a) | 4 | P+2.63% | $63K | Q2 2017 |
| Massachusetts · Manufacturing · $500K – $1M | 504 | 3 | — | $812K | Q4 2023 |
| Massachusetts · Physician & Dental Offices · $150K – $350K | 504 | 3 | — | $261K | Q2 2024 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.50% | $267K | Q3 2017 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.75% | $60K | Q2 2019 |
| Massachusetts · Transportation & Warehousing · $1M – $2M | 504 | 3 | — | $1.4M | Q2 2022 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $247K | Q3 2021 |
| Massachusetts · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+1.38% | $325K | Q2 2021 |
| Massachusetts · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+1.50% | $294K | Q1 2025 |
| Massachusetts · Manufacturing · $500K – $1M | 7(a) | 3 | P+2.75% | $557K | Q3 2021 |
| Massachusetts · Other Repair & Services · $150K – $350K | 504 | 3 | — | $282K | Q4 2021 |
| Massachusetts · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+2.25% | $251K | Q2 2023 |
| Massachusetts · Administrative & Waste Services · $350K – $500K | 7(a) | 3 | P+1.25% | $483K | Q2 2024 |
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