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
205
2010–2026
Total Volume
$74M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
205 total segments
BayCoast Bank has a strong focus on 504 loans, making up 34% of their total SBA deals, which is significantly higher than the national average of about 18%. This indicates they are well-suited for borrowers seeking financing for real estate or equipment purchases.
The bank's average spread for 7(a) loans is P+1.26%, which is notably lower than the national median of P+2.75%. This competitive pricing can save borrowers money over the life of their loan, making BayCoast an attractive option.
With 60% of their deals focused on existing businesses, BayCoast Bank is particularly well-positioned for established companies looking to expand or refinance. If you're a startup or looking to acquire, be aware that they may have fewer options for you.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 70 504 loans, which use fixed SBA debenture rates.
States where BayCoast Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for BayCoast 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) | 14 | P+1.25% | $78K | Q4 2025 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.00% | $61K | Q3 2025 |
| Massachusetts · Accounting & Tax · Under $150K | 7(a) | 6 | P+1.63% | $58K | Q3 2025 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 5 | P+1.00% | $62K | Q3 2024 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+1.25% | $54K | Q2 2025 |
| Rhode Island · Other Health Practitioners · Under $150K | 7(a) | 5 | P+1.50% | $46K | Q3 2023 |
| Rhode Island · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $226K | Q4 2022 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 4 | P+0.75% | $105K | Q3 2025 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.75% | $45K | Q1 2025 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 3 | P+2.00% | $78K | Q4 2012 |
| Massachusetts · Social Assistance · Under $150K | 7(a) | 3 | P+1.25% | $33K | Q4 2025 |
| Rhode Island · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+0.50% | $241K | Q4 2025 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 3 | P+1.50% | $83K | Q1 2010 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.00% | $250K | Q4 2023 |
| Massachusetts · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+1.00% | $87K | Q3 2019 |
| Rhode Island · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.50% | $258K | Q3 2023 |
| Connecticut · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $2.9M | Q4 2022 |
| Massachusetts · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $673K | Q2 2022 |
| Massachusetts · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.88% | $315K | Q1 2016 |
| Massachusetts · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.38% | $135K | Q3 2024 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 2 | P+2.13% | $23K | Q4 2022 |
| Massachusetts · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+1.75% | $88K | Q4 2016 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+-0.04% | $244K | Q4 2025 |
| Massachusetts · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.25% | $72K | Q3 2021 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 2 | P+3.00% | $265K | Q4 2014 |
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