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
241
2010–2025
Total Volume
$56M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
241 total segments
Mascoma Bank has a strong focus on existing businesses, with 71% of their deals serving this purpose. This makes them a solid choice for established businesses looking to expand or refinance.
With an average 7(a) spread of P+1.66%, Mascoma Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest costs for borrowers.
Despite a 19% share of 504 loans, Mascoma Bank's overall deal volume has declined by 60% year-over-year. This trend may indicate a tightening of lending standards, making it potentially harder for new borrowers to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 45 504 loans, which use fixed SBA debenture rates.
States where Mascoma Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Miscellaneous Retail
Retail Trade
Agriculture & Forestry
Agriculture & Forestry
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for Mascoma Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Hampshire · Manufacturing · Under $150K | 7(a) | 19 | P+2.00% | $79K | Q2 2018 |
| New Hampshire · Retail Trade · Under $150K | 7(a) | 11 | P+1.62% | $83K | Q1 2023 |
| New Hampshire · Miscellaneous Retail · Under $150K | 7(a) | 9 | P+1.00% | $65K | Q2 2022 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 7 | P+1.50% | $219K | Q2 2021 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+1.50% | $71K | Q3 2016 |
| New Hampshire · Food & Beverage Stores · Under $150K | 7(a) | 6 | P+1.63% | $66K | Q4 2016 |
| New Hampshire · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.62% | $53K | Q4 2021 |
| New Hampshire · Information & Media · Under $150K | 7(a) | 6 | P+2.00% | $56K | Q4 2011 |
| New Hampshire · Agriculture & Forestry · Under $150K | 7(a) | 6 | P+2.17% | $92K | Q4 2017 |
| Vermont · Manufacturing · Under $150K | 7(a) | 6 | P+1.50% | $127K | Q4 2022 |
| New Hampshire · Auto Dealers & Parts · Under $150K | 7(a) | 6 | P+2.00% | $54K | Q1 2017 |
| New Hampshire · Manufacturing · $150K – $350K | 7(a) | 6 | P+1.75% | $250K | Q4 2020 |
| New Hampshire · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+1.00% | $96K | Q1 2015 |
| New Hampshire · Education · Under $150K | 7(a) | 4 | P+1.75% | $68K | Q3 2016 |
| New Hampshire · Engineering & Architecture · Under $150K | 7(a) | 4 | P+2.38% | $61K | Q4 2013 |
| New Hampshire · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.00% | $245K | Q1 2014 |
| New Hampshire · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.00% | $66K | Q3 2014 |
| Vermont · Other Services · $150K – $350K | 7(a) | 3 | P+1.74% | $172K | Q1 2011 |
| New Hampshire · Heavy & Civil Engineering · Under $150K | 7(a) | 3 | P+2.00% | $61K | Q4 2014 |
| New Hampshire · Wholesale Trade · Under $150K | 7(a) | 3 | P+1.00% | $19K | Q1 2014 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+0.63% | $125K | Q1 2022 |
| Vermont · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.63% | $1.0M | Q2 2010 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.00% | $88K | Q2 2015 |
| New Hampshire · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.00% | $368K | Q3 2014 |
| New Hampshire · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+2.13% | $200K | Q2 2012 |
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