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
357
2010–2026
Total Volume
$137M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
357 total segments
Middlesex Savings Bank has a strong focus on 504 loans, making up 34% of their total SBA deals, which is significantly higher than the national average of around 18%. This indicates they are well-suited for borrowers looking for real estate financing or larger projects.
With an average 7(a) spread of P+2.04%, Middlesex Savings Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
The bank has seen a remarkable growth trend of 140% year-over-year, indicating a strong demand for their services. This growth could suggest that they are actively looking to lend, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 121 504 loans, which use fixed SBA debenture rates.
States where Middlesex Savings Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Management & IT Consulting
Professional Services
Engineering & Architecture
Professional Services
+ 7 more
All recorded SBA lending activity for Middlesex Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 27 | P+3.00% | $65K | Q4 2025 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 19 | P+2.50% | $71K | Q1 2022 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 17 | P+2.25% | $88K | Q4 2022 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 16 | P+2.50% | $61K | Q4 2022 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 12 | P+2.25% | $52K | Q2 2025 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+3.00% | $50K | Q2 2025 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.25% | $276K | Q1 2022 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 7 | P+2.00% | $67K | Q2 2025 |
| Massachusetts · Other Health Practitioners · $150K – $350K | 7(a) | 7 | P+0.75% | $219K | Q4 2025 |
| Massachusetts · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+1.00% | $56K | Q2 2024 |
| Massachusetts · Education · Under $150K | 7(a) | 7 | P+3.00% | $51K | Q3 2017 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 6 | P+3.00% | $114K | Q2 2016 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 6 | P+2.50% | $97K | Q3 2015 |
| Massachusetts · Manufacturing · $500K – $1M | 504 | 5 | — | $719K | Q3 2022 |
| Massachusetts · Social Assistance · Under $150K | 7(a) | 4 | P+2.25% | $69K | Q2 2011 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 4 | P+3.38% | $80K | Q2 2011 |
| Massachusetts · Other Professional Services · $150K – $350K | 7(a) | 4 | P+1.50% | $253K | Q1 2015 |
| Massachusetts · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.75% | $64K | Q2 2016 |
| Massachusetts · Arts, Entertainment & Recreation · $2M – $5M | 504 | 4 | — | $2.6M | Q3 2025 |
| Massachusetts · Engineering & Architecture · $150K – $350K | 504 | 4 | — | $238K | Q2 2021 |
| Massachusetts · Specialty Trade Contractors · $500K – $1M | 504 | 3 | — | $588K | Q3 2016 |
| Massachusetts · Building Construction · $150K – $350K | 7(a) | 3 | P+2.00% | $273K | Q4 2010 |
| Massachusetts · Wholesale Trade · $500K – $1M | 504 | 3 | — | $694K | Q4 2020 |
| Massachusetts · Wholesale Trade · $1M – $2M | 504 | 3 | — | $1.6M | Q4 2022 |
| Massachusetts · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+3.25% | $65K | Q3 2013 |
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