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
104
2010–2026
Total Volume
$60M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
104 total segments
Cape and Coast Bank is a strong choice for real estate-focused businesses, as 58% of their deals are 504 loans, significantly higher than the national average of 18%. This indicates they are well-versed in financing for property acquisitions or improvements.
With an average 7(a) spread of P+1.64%, Cape and Coast Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall borrowing costs for your business.
The bank's deal size breakdown shows a significant concentration in the $150K-$350K range, with 28 deals falling within this band. If your financing needs align with this range, you may find Cape and Coast Bank particularly accommodating.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 60 504 loans, which use fixed SBA debenture rates.
States where CAPE AND COAST BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Engineering & Architecture
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for CAPE AND COAST BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Hotels & Accommodation · $350K – $500K | 504 | 7 | — | $428K | Q2 2025 |
| Massachusetts · Hotels & Accommodation · $1M – $2M | 504 | 7 | — | $1.4M | Q4 2024 |
| Massachusetts · Hotels & Accommodation · $500K – $1M | 504 | 5 | — | $618K | Q2 2024 |
| Massachusetts · Hotels & Accommodation · $150K – $350K | 504 | 5 | — | $240K | Q2 2019 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+0.61% | $105K | Q1 2020 |
| Massachusetts · Administrative & Waste Services · $150K – $350K | 504 | 4 | — | $228K | Q4 2018 |
| Massachusetts · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $698K | Q4 2025 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 3 | P+3.00% | $28K | Q1 2019 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 3 | P+1.50% | $45K | Q4 2020 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.50% | $300K | Q3 2024 |
| Massachusetts · Hotels & Accommodation · Under $150K | 7(a) | 2 | P+1.25% | $88K | Q2 2020 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.50% | $225K | Q1 2025 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $232K | Q3 2020 |
| Massachusetts · Other Health Practitioners · $500K – $1M | 504 | 2 | — | $559K | Q4 2025 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $375K | Q4 2024 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.00% | $116K | Q1 2024 |
| Massachusetts · Administrative & Waste Services · $500K – $1M | 504 | 2 | — | $556K | Q1 2023 |
| Massachusetts · Auto Repair & Maintenance · $350K – $500K | 504 | 1 | — | $442K | Q4 2014 |
| Massachusetts · Restaurants & Food Service · Under $150K | 504 | 1 | — | $144K | Q3 2018 |
| Massachusetts · Auto Dealers & Parts · $500K – $1M | 504 | 1 | — | $966K | Q3 2016 |
| Massachusetts · Agriculture & Forestry · $150K – $350K | 504 | 1 | — | $332K | Q3 2015 |
| Georgia · Administrative & Waste Services · $1M – $2M | 7(a) | 1 | P+-0.25% | $1.4M | Q4 2023 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+2.00% | $70K | Q1 2023 |
| Massachusetts · Specialty Trade Contractors · $2M – $5M | 7(a) | 1 | P+2.25% | $4.3M | Q3 2015 |
| Massachusetts · Building Construction · $500K – $1M | 7(a) | 1 | P+2.75% | $600K | Q4 2011 |
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Real experiences from borrowers who closed SBA loans with CAPE AND COAST BANK.
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