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
95
2010–2026
Total Volume
$70M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
95 total segments
Bridgewater Bank has a strong focus on 504 loans, making up 29% of their total SBA deals, which is significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking for real estate financing.
With an average 7(a) spread of P+1.69%, Bridgewater Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your loan.
The lender has seen a 33% year-over-year growth in SBA deals, indicating a positive trend in their lending activity. This growth suggests that they may be more willing to approve new loans as they expand their portfolio.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 28 504 loans, which use fixed SBA debenture rates.
States where Bridgewater Bank has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Education
Education
Other Repair & Services
Other Services
Nursing & Residential Care
Health Care & Social Assistance
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for Bridgewater Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 5 | P+1.50% | $240K | Q2 2023 |
| Minnesota · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 3 | P+1.25% | $580K | Q3 2025 |
| Minnesota · Education · $2M – $5M | 7(a) | 3 | P+1.25% | $2.3M | Q4 2023 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.50% | $100K | Q4 2018 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 2 | P+2.25% | $75K | Q3 2020 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.00% | $275K | Q4 2021 |
| Minnesota · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.50% | $113K | Q4 2022 |
| Minnesota · Building Construction · $500K – $1M | 504 | 2 | — | $607K | Q1 2022 |
| Minnesota · Management & IT Consulting · $2M – $5M | 7(a) | 2 | P+1.25% | $2.9M | Q3 2021 |
| Minnesota · Other Health Practitioners · $2M – $5M | 7(a) | 2 | P+1.50% | $3.5M | Q3 2024 |
| Minnesota · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+1.88% | $263K | Q2 2014 |
| Minnesota · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+1.31% | $292K | Q3 2022 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.75% | $295K | Q2 2022 |
| Minnesota · Real Estate · $150K – $350K | 7(a) | 2 | P+2.88% | $198K | Q4 2022 |
| Minnesota · Management & IT Consulting · $150K – $350K | 7(a) | 1 | P+1.00% | $350K | Q3 2023 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 1 | P+2.25% | $10K | Q4 2009 |
| Minnesota · Other Health Practitioners · $150K – $350K | 7(a) | 1 | P+1.50% | $250K | Q3 2024 |
| Minnesota · Nursing & Residential Care · $350K – $500K | 7(a) | 1 | P+2.00% | $467K | Q1 2013 |
| Minnesota · Nursing & Residential Care · $500K – $1M | 7(a) | 1 | P+1.75% | $886K | Q2 2021 |
| Minnesota · Social Assistance · Under $150K | 7(a) | 1 | P+2.00% | $150K | Q1 2012 |
| Minnesota · Social Assistance · $500K – $1M | 7(a) | 1 | P+1.25% | $707K | Q2 2025 |
| Minnesota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.75% | $50K | Q1 2012 |
| Minnesota · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 1 | P+1.50% | $520K | Q4 2025 |
| Minnesota · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.00% | $300K | Q1 2025 |
| Minnesota · Manufacturing · $2M – $5M | 7(a) | 1 | P+2.63% | $2.8M | Q1 2012 |
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