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
81
2010–2026
Total Volume
$22M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
81 total segments
Most active in Massachusetts (77% of deals) and focuses heavily on specialty trade contractors (14% of deals).
35% of bankESB's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
81 SBA loans worth $21.5M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 18 504 loans, which use fixed SBA debenture rates.
States where bankESB has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Other Repair & Services
Other Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for bankESB, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.00% | $28K | Q4 2016 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+1.85% | $65K | Q1 2016 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 4 | P+1.25% | $49K | Q4 2021 |
| Massachusetts · Management of Companies · Under $150K | 7(a) | 3 | P+1.50% | $49K | Q3 2015 |
| Connecticut · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $62K | Q1 2016 |
| Connecticut · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.00% | $54K | Q4 2013 |
| Massachusetts · Auto Repair & Maintenance · Under $150K | 504 | 3 | — | $114K | Q3 2020 |
| Massachusetts · Physician & Dental Offices · Under $150K | 7(a) | 3 | P+2.00% | $127K | Q3 2016 |
| Massachusetts · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+2.70% | $94K | Q3 2015 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 2 | P+1.75% | $100K | Q4 2014 |
| Massachusetts · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.88% | $75K | Q4 2015 |
| Connecticut · Other Services · Under $150K | 7(a) | 2 | P+2.00% | $43K | Q1 2013 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.25% | $237K | Q4 2018 |
| Connecticut · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.38% | $70K | Q1 2010 |
| Connecticut · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+3.13% | $71K | Q1 2014 |
| Massachusetts · Real Estate · $150K – $350K | 504 | 2 | — | $332K | Q1 2024 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.00% | $310K | Q3 2015 |
| Connecticut · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.38% | $263K | Q1 2013 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $171K | Q4 2024 |
| Massachusetts · Real Estate · $500K – $1M | 504 | 1 | — | $577K | Q1 2021 |
| Massachusetts · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $5.0M | Q4 2017 |
| Massachusetts · Manufacturing · $350K – $500K | 504 | 1 | — | $353K | Q2 2019 |
| Massachusetts · Other Repair & Services · $500K – $1M | 504 | 1 | — | $893K | Q3 2015 |
| Massachusetts · Management & IT Consulting · Under $150K | 504 | 1 | — | $50K | Q2 2024 |
| Massachusetts · Real Estate · $2M – $5M | 504 | 1 | — | $2.3M | Q1 2022 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with bankESB.
No reviews yet. Be the first to review bankESB.