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
129
2010–2025
Total Volume
$46M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
128 total segments
Coastal Heritage Bank has a strong focus on 504 loans, with 39% of their SBA deals in this category, significantly higher than the national average of 18%. This indicates a robust capacity for real estate financing, which can be beneficial for borrowers looking to purchase property or expand existing facilities.
With an average 7(a) spread of P+1.53%, Coastal Heritage Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can lead to significant savings over the life of the loan, making them an attractive option for borrowers.
The lender's growth trend shows a decline of 44% year-over-year, indicating a potential tightening in their lending capacity. Borrowers should be aware that this may affect approval rates or the availability of funds in the near future.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 50 504 loans, which use fixed SBA debenture rates.
States where Coastal Heritage Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Retail Trade
Retail Trade
Food & Beverage Stores
Retail Trade
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for Coastal Heritage Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+2.00% | $74K | Q2 2024 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.63% | $116K | Q1 2024 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+2.00% | $58K | Q1 2022 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.00% | $58K | Q4 2024 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 5 | — | $223K | Q3 2020 |
| Massachusetts · Manufacturing · $1M – $2M | 504 | 4 | — | $1.4M | Q1 2022 |
| Massachusetts · Finance & Insurance · Under $150K | 7(a) | 4 | P+1.75% | $33K | Q2 2024 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.13% | $78K | Q4 2017 |
| Massachusetts · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+2.00% | $95K | Q2 2017 |
| Massachusetts · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+2.00% | $94K | Q3 2021 |
| Massachusetts · Specialty Trade Contractors · $350K – $500K | 504 | 3 | — | $449K | Q3 2025 |
| Massachusetts · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+2.00% | $133K | Q4 2016 |
| Massachusetts · Arts, Entertainment & Recreation · $1M – $2M | 504 | 2 | — | $1.6M | Q1 2020 |
| Massachusetts · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+0.75% | $265K | Q4 2023 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 2 | P+1.75% | $75K | Q1 2018 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+-0.82% | $425K | Q3 2023 |
| Massachusetts · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.88% | $55K | Q1 2020 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 2 | P+3.00% | $138K | Q3 2014 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.63% | $275K | Q1 2018 |
| Massachusetts · Manufacturing · $500K – $1M | 7(a) | 2 | P+-0.50% | $575K | Q2 2023 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 2 | P+1.13% | $60K | Q2 2014 |
| Massachusetts · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.75% | $71K | Q1 2013 |
| Massachusetts · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $552K | Q2 2018 |
| Massachusetts · Administrative & Waste Services · $150K – $350K | 504 | 2 | — | $193K | Q1 2025 |
| Massachusetts · General Merchandise · $150K – $350K | 504 | 2 | — | $253K | Q2 2019 |
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