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
119
2010–2024
Total Volume
$16M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
119 total segments
National Bank of Middlebury has a minimal 504 presence, with only 4 out of 119 total SBA deals being 504 loans. This indicates a stronger focus on 7(a) loans, which may suit borrowers looking for traditional financing options.
The average deal size at National Bank of Middlebury is $137,990, with a significant majority of deals (90) falling in the $0-$150K range. If you're seeking a larger loan, this lender may not be the best fit for your needs.
Despite a competitive average spread of P+2.50% for 7(a) loans, the bank's overall lending activity has declined by 38% 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 4 504 loans, which use fixed SBA debenture rates.
States where National Bank of Middlebury has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Building Construction
Construction
Hotels & Accommodation
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Personal Care (Salons, Spas)
Other Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for National Bank of Middlebury, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Manufacturing · Under $150K | 7(a) | 17 | P+2.75% | $59K | Q3 2018 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.55% | $49K | Q2 2019 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.50% | $56K | Q3 2021 |
| Vermont · Building Construction · Under $150K | 7(a) | 6 | P+2.38% | $42K | Q4 2014 |
| Vermont · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+1.63% | $73K | Q3 2016 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+3.63% | $58K | Q4 2015 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 5 | P+3.25% | $233K | Q4 2022 |
| Vermont · Other Health Practitioners · Under $150K | 7(a) | 5 | P+3.05% | $25K | Q4 2015 |
| Vermont · Hotels & Accommodation · Under $150K | 7(a) | 4 | P+2.38% | $83K | Q3 2020 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.85% | $58K | Q2 2018 |
| Vermont · Retail Trade · Under $150K | 7(a) | 4 | P+2.13% | $51K | Q2 2015 |
| Vermont · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $35K | Q4 2014 |
| Vermont · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.25% | $171K | Q2 2024 |
| Vermont · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.00% | $72K | Q4 2017 |
| Vermont · Manufacturing · $500K – $1M | 7(a) | 3 | P+1.75% | $789K | Q3 2021 |
| Vermont · Building Construction · $150K – $350K | 7(a) | 2 | P+2.63% | $200K | Q2 2016 |
| Vermont · Real Estate · Under $150K | 7(a) | 2 | P+2.55% | $43K | Q3 2014 |
| Vermont · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.05% | $387K | Q2 2020 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.88% | $28K | Q4 2022 |
| Vermont · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+1.50% | $250K | Q1 2023 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+3.20% | $40K | Q3 2014 |
| Vermont · Gas Stations · $350K – $500K | 504 | 1 | — | $404K | Q2 2010 |
| Vermont · Auto Dealers & Parts · Under $150K | 7(a) | 1 | P+2.75% | $75K | Q1 2019 |
| Vermont · Auto Dealers & Parts · $500K – $1M | 7(a) | 1 | P+2.25% | $600K | Q2 2011 |
| Vermont · General Merchandise · Under $150K | 7(a) | 1 | P+4.25% | $118K | Q2 2011 |
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