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
70
2010–2025
Total Volume
$12M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
70 total segments
Most active in Massachusetts (90% of deals) and focuses heavily on specialty trade contractors (17% of deals).
26% of Dean Co-operative Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
70 SBA loans worth $11.8M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 2 504 loans, which use fixed SBA debenture rates.
States where Dean Co-operative 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
Building Construction
Construction
Miscellaneous Retail
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Dean Co-operative 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) | 10 | P+2.00% | $64K | Q1 2024 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 8 | P+1.75% | $60K | Q2 2024 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+1.75% | $63K | Q2 2022 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.00% | $305K | Q3 2021 |
| Massachusetts · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+2.13% | $39K | Q3 2019 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.00% | $68K | Q2 2025 |
| Massachusetts · Building Construction · Under $150K | 7(a) | 3 | P+2.00% | $55K | Q2 2025 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.00% | $276K | Q2 2020 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.00% | $80K | Q4 2019 |
| Rhode Island · Real Estate · $150K – $350K | 7(a) | 2 | P+0.00% | $315K | Q3 2025 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 2 | P+2.38% | $43K | Q4 2019 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.00% | $75K | Q3 2017 |
| Massachusetts · Other Repair & Services · Under $150K | 7(a) | 1 | P+2.00% | $125K | Q3 2023 |
| Massachusetts · Retail Trade · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q1 2019 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 1 | P+2.00% | $150K | Q3 2019 |
| Massachusetts · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q1 2010 |
| Massachusetts · Education · Under $150K | 7(a) | 1 | P+3.25% | $150K | Q4 2009 |
| Rhode Island · Building Construction · Under $150K | 7(a) | 1 | P+2.00% | $50K | Q3 2023 |
| Rhode Island · Auto Dealers & Parts · $150K – $350K | 7(a) | 1 | P+2.00% | $175K | Q2 2025 |
| Rhode Island · Other Health Practitioners · Under $150K | 7(a) | 1 | P+2.00% | $75K | Q1 2020 |
| Rhode Island · Other Repair & Services · Under $150K | 7(a) | 1 | P+2.00% | $100K | Q4 2024 |
| Rhode Island · Administrative & Waste Services · $350K – $500K | 7(a) | 1 | P+2.00% | $405K | Q1 2021 |
| Massachusetts · Auto Repair & Maintenance · $350K – $500K | 504 | 1 | — | $399K | Q3 2022 |
| Massachusetts · Manufacturing · $2M – $5M | 504 | 1 | — | $2.7M | Q2 2021 |
| Massachusetts · Building Construction · $150K – $350K | 7(a) | 1 | P+2.00% | $300K | Q1 2022 |
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