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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
423
2010–2026
Total Volume
$132M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
423 total segments
Cornerstone Bank has a strong focus on 504 loans, with 28% of their SBA deals in this category, which is higher than the national average of 18%. This makes them a solid choice for borrowers looking to finance real estate or large equipment purchases.
With an average 7(a) spread of P+1.90%, Cornerstone Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest for borrowers seeking 7(a) loans.
The lender's deal size breakdown shows that 53% of their deals are under $150K, indicating they are well-suited for small businesses or startups needing smaller amounts. However, their average deal size of $312,921 suggests they can also accommodate larger financing needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 119 504 loans, which use fixed SBA debenture rates.
States where Cornerstone Bank has recorded SBA lending activity.
+ 10 more states
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
Transportation & Warehousing
Transportation & Warehousing
Food & Beverage Stores
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Cornerstone 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) | 20 | P+1.50% | $40K | Q3 2022 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 18 | P+1.88% | $45K | Q2 2021 |
| Massachusetts · Transportation & Warehousing · Under $150K | 7(a) | 17 | P+2.00% | $75K | Q3 2019 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.75% | $71K | Q2 2025 |
| Massachusetts · Food & Beverage Stores · Under $150K | 7(a) | 10 | P+1.63% | $91K | Q3 2020 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 8 | P+1.88% | $94K | Q3 2017 |
| Massachusetts · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+0.75% | $102K | Q3 2024 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 6 | P+0.88% | $47K | Q3 2022 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 6 | P+1.63% | $73K | Q2 2021 |
| Massachusetts · Sporting Goods & Hobby · Under $150K | 7(a) | 5 | P+2.25% | $51K | Q1 2017 |
| North Dakota · Engineering & Architecture · Under $150K | 7(a) | 5 | P+3.00% | $58K | Q4 2012 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.75% | $243K | Q3 2022 |
| Massachusetts · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+1.88% | $253K | Q4 2017 |
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+3.98% | $58K | Q3 2012 |
| Massachusetts · Finance & Insurance · Under $150K | 7(a) | 4 | P+1.50% | $46K | Q3 2024 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.88% | $226K | Q3 2019 |
| Massachusetts · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+1.13% | $754K | Q1 2018 |
| North Dakota · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+3.38% | $48K | Q2 2014 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.25% | $28K | Q2 2017 |
| Massachusetts · Social Assistance · $150K – $350K | 504 | 3 | — | $262K | Q4 2024 |
| Massachusetts · Manufacturing · $350K – $500K | 7(a) | 3 | P+1.50% | $417K | Q3 2020 |
| Massachusetts · Accounting & Tax · Under $150K | 7(a) | 3 | P+1.25% | $23K | Q1 2018 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 3 | P+0.75% | $44K | Q4 2025 |
| North Dakota · Retail Trade · Under $150K | 504 | 3 | — | $107K | Q3 2023 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 504 | 3 | — | $373K | Q3 2025 |
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