GOOD
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
415
2010–2026
Total Volume
$80M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
415 total segments
The Economic Development Bank for Puerto Rico primarily supports startups, with 85% of their deals going to new businesses. This focus may benefit first-time borrowers looking for initial funding.
With an average 7(a) spread of P+2.55%, this lender offers competitive pricing compared to the national median of P+2.75%. This could save you money over the life of your loan.
The bank has seen a significant decline in deal volume, down 63% year-over-year. This trend may indicate a tightening of lending criteria, making it potentially harder for new applicants to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 19 504 loans, which use fixed SBA debenture rates.
States where Economic Development Bank for Puerto Rico has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Food & Beverage Stores
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for Economic Development Bank for Puerto Rico, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| PR · Restaurants & Food Service · Under $150K | 7(a) | 80 | P+2.50% | $75K | Q4 2025 |
| PR · Restaurants & Food Service · $150K – $350K | 7(a) | 26 | P+2.75% | $234K | Q1 2025 |
| PR · Retail Trade · Under $150K | 7(a) | 24 | P+2.75% | $66K | Q1 2022 |
| PR · Manufacturing · Under $150K | 7(a) | 23 | P+2.50% | $61K | Q3 2024 |
| PR · Other Health Practitioners · Under $150K | 7(a) | 21 | P+2.50% | $83K | Q1 2025 |
| PR · Manufacturing · $150K – $350K | 7(a) | 14 | P+2.75% | $220K | Q2 2022 |
| PR · Food & Beverage Stores · Under $150K | 7(a) | 13 | P+2.75% | $65K | Q1 2023 |
| PR · Other Health Practitioners · $150K – $350K | 7(a) | 11 | P+2.75% | $206K | Q4 2024 |
| PR · Arts, Entertainment & Recreation · Under $150K | 7(a) | 9 | P+2.25% | $65K | Q3 2024 |
| PR · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+2.75% | $81K | Q3 2024 |
| PR · Education · Under $150K | 7(a) | 7 | P+3.13% | $83K | Q3 2018 |
| PR · Other Professional Services · Under $150K | 7(a) | 7 | P+2.75% | $59K | Q4 2024 |
| PR · Retail Trade · $150K – $350K | 7(a) | 7 | P+2.50% | $206K | Q2 2017 |
| PR · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+2.75% | $67K | Q1 2017 |
| PR · Sporting Goods & Hobby · Under $150K | 7(a) | 6 | P+2.63% | $68K | Q3 2018 |
| PR · General Merchandise · Under $150K | 7(a) | 6 | P+2.75% | $86K | Q4 2018 |
| PR · Physician & Dental Offices · Under $150K | 7(a) | 6 | P+2.75% | $65K | Q1 2016 |
| PR · Auto Dealers & Parts · Under $150K | 7(a) | 6 | P+2.25% | $70K | Q4 2023 |
| PR · Food & Beverage Stores · $150K – $350K | 7(a) | 5 | P+2.75% | $236K | Q1 2012 |
| PR · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.75% | $439K | Q2 2015 |
| PR · Hotels & Accommodation · Under $150K | 7(a) | 5 | P+2.50% | $85K | Q2 2023 |
| PR · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.00% | $50K | Q3 2016 |
| PR · Social Assistance · Under $150K | 7(a) | 4 | P+2.75% | $76K | Q2 2016 |
| PR · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.75% | $53K | Q3 2024 |
| PR · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+1.88% | $50K | Q1 2025 |
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Real experiences from borrowers who closed SBA loans with Economic Development Bank for Puerto Rico.
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