GOOD
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
1,782
2010–2026
Total Volume
$1.1B
Gross loan amounts
States Active
5
With recorded loans
Programs
504
1764 total segments
Bay Colony Development Corporation is a 504-only lender, making it ideal for businesses seeking financing for real estate or equipment. With 1,764 total SBA deals, they focus exclusively on 504 loans, which is a significant departure from the national average of 18% for 504 deals. This specialization can be beneficial for borrowers needing substantial funding for fixed assets.
The average deal size at Bay Colony is $604,796, with a notable concentration in the $150K-$350K range, which accounts for 606 deals. If your financing needs fall within this range, this lender could be a strong fit. However, if you're looking for amounts significantly above this average, you may want to consider other options.
Bay Colony has experienced a decline of 7% year-over-year in their deal volume, indicating a potential tightening in their lending activity. This trend might make it more challenging for new borrowers to secure loans, as lenders often become more selective during downturns.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1,764 504 loans, which use fixed SBA debenture rates.
States where Bay Colony Development Corpora has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Hotels & Accommodation
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Bay Colony Development Corpora, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 47 | — | $251K | Q3 2025 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 504 | 47 | — | $245K | Q1 2025 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 504 | 39 | — | $418K | Q4 2025 |
| Massachusetts · Restaurants & Food Service · $500K – $1M | 504 | 38 | — | $722K | Q4 2025 |
| Massachusetts · Other Health Practitioners · $150K – $350K | 504 | 31 | — | $246K | Q4 2025 |
| Massachusetts · Manufacturing · $150K – $350K | 504 | 31 | — | $244K | Q3 2024 |
| Massachusetts · Manufacturing · $500K – $1M | 504 | 27 | — | $697K | Q3 2024 |
| Massachusetts · Auto Repair & Maintenance · $150K – $350K | 504 | 26 | — | $221K | Q3 2024 |
| Massachusetts · Physician & Dental Offices · $150K – $350K | 504 | 22 | — | $249K | Q4 2024 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 504 | 22 | — | $98K | Q2 2023 |
| Massachusetts · Restaurants & Food Service · Under $150K | 504 | 21 | — | $117K | Q1 2025 |
| Massachusetts · Administrative & Waste Services · $150K – $350K | 504 | 21 | — | $266K | Q3 2025 |
| Massachusetts · Food & Beverage Stores · $150K – $350K | 504 | 20 | — | $259K | Q1 2024 |
| Massachusetts · Auto Repair & Maintenance · $500K – $1M | 504 | 20 | — | $756K | Q3 2025 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 504 | 20 | — | $110K | Q4 2024 |
| Massachusetts · Restaurants & Food Service · $1M – $2M | 504 | 19 | — | $1.3M | Q1 2025 |
| Massachusetts · Manufacturing · $350K – $500K | 504 | 18 | — | $413K | Q4 2023 |
| Massachusetts · Social Assistance · $150K – $350K | 504 | 18 | — | $271K | Q2 2025 |
| Massachusetts · Other Health Practitioners · Under $150K | 504 | 18 | — | $101K | Q2 2025 |
| Massachusetts · Legal Services · $150K – $350K | 504 | 17 | — | $225K | Q1 2024 |
| Massachusetts · Specialty Trade Contractors · $500K – $1M | 504 | 17 | — | $679K | Q3 2025 |
| Massachusetts · Wholesale Trade · $500K – $1M | 504 | 16 | — | $690K | Q2 2024 |
| Rhode Island · Restaurants & Food Service · $150K – $350K | 504 | 16 | — | $237K | Q1 2025 |
| Massachusetts · Auto Repair & Maintenance · $350K – $500K | 504 | 16 | — | $426K | Q3 2025 |
| Massachusetts · Administrative & Waste Services · $500K – $1M | 504 | 16 | — | $592K | Q4 2025 |
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