STRONG
How competitive are their spreads? Lower = better for you.
STRONG
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
712
2010–2025
Total Volume
$130M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
711 total segments
Bar Harbor Bank & Trust has a strong focus on existing businesses, with 59% of their deals supporting established companies. This makes them a good choice if you're looking to expand an already operational business.
With an average 7(a) spread of P+1.51%, Bar Harbor Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a decline of 13% year-over-year, which may indicate a tightening of lending standards. If you're considering applying, be prepared for potentially more scrutiny in your application process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 87 504 loans, which use fixed SBA debenture rates.
States where Bar Harbor Bank & Trust 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
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Real Estate
Real Estate
Agriculture & Forestry
Agriculture & Forestry
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Bar Harbor Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Hampshire · Restaurants & Food Service · Under $150K | 7(a) | 23 | P+2.00% | $64K | Q1 2025 |
| New Hampshire · Manufacturing · Under $150K | 7(a) | 23 | P+2.00% | $44K | Q2 2025 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 7(a) | 20 | P+2.00% | $55K | Q1 2025 |
| Maine · Administrative & Waste Services · Under $150K | 7(a) | 17 | P+1.15% | $70K | Q2 2025 |
| Maine · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+2.25% | $58K | Q3 2024 |
| New Hampshire · Administrative & Waste Services · Under $150K | 7(a) | 15 | P+1.50% | $67K | Q2 2025 |
| New Hampshire · Auto Repair & Maintenance · Under $150K | 7(a) | 14 | P+2.00% | $37K | Q4 2022 |
| New Hampshire · Arts, Entertainment & Recreation · Under $150K | 7(a) | 12 | P+1.25% | $42K | Q4 2024 |
| New Hampshire · Food & Beverage Stores · Under $150K | 7(a) | 11 | P+1.25% | $78K | Q1 2024 |
| New Hampshire · Agriculture & Forestry · Under $150K | 7(a) | 11 | P+1.00% | $69K | Q4 2024 |
| New Hampshire · Transportation & Warehousing · Under $150K | 7(a) | 11 | P+1.50% | $38K | Q2 2022 |
| Maine · General Merchandise · Under $150K | 7(a) | 11 | P+1.25% | $39K | Q1 2018 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 11 | P+2.00% | $58K | Q4 2022 |
| New Hampshire · Other Health Practitioners · Under $150K | 7(a) | 10 | P+1.38% | $73K | Q2 2024 |
| Vermont · Transportation & Warehousing · Under $150K | 7(a) | 10 | P+1.25% | $51K | Q2 2023 |
| Maine · Agriculture & Forestry · Under $150K | 7(a) | 10 | P+3.12% | $61K | Q3 2024 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 9 | P+1.25% | $38K | Q1 2020 |
| New Hampshire · Miscellaneous Retail · Under $150K | 7(a) | 9 | P+0.75% | $54K | Q1 2024 |
| New Hampshire · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+1.25% | $238K | Q4 2022 |
| Vermont · Real Estate · Under $150K | 7(a) | 8 | P+0.93% | $81K | Q2 2023 |
| New Hampshire · Retail Trade · Under $150K | 7(a) | 8 | P+2.00% | $39K | Q3 2021 |
| New Hampshire · Building Construction · Under $150K | 7(a) | 8 | P+2.00% | $53K | Q3 2023 |
| New Hampshire · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+1.00% | $53K | Q4 2024 |
| New Hampshire · Wholesale Trade · Under $150K | 7(a) | 7 | P+0.75% | $63K | Q3 2021 |
| New Hampshire · Real Estate · Under $150K | 7(a) | 7 | P+2.00% | $78K | Q2 2023 |
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 Bar Harbor Bank & Trust.
No reviews yet. Be the first to review Bar Harbor Bank & Trust.