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
175
2010–2025
Total Volume
$57M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
175 total segments
Newburyport Five Cents Savings Bank has a strong focus on 504 loans, with 31% of their total SBA deals in this category, significantly above the national average of 18%. This makes them a good option for borrowers looking for real estate financing.
The bank's average spread for 7(a) loans is P+1.13%, which is notably lower than the national median of P+2.75%. This could mean more favorable loan terms for borrowers in need of 7(a) financing.
With a year-over-year decline of 11% in SBA deals, potential borrowers should consider that Newburyport Five Cents Savings Bank may be tightening their lending criteria, making it potentially more challenging to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 55 504 loans, which use fixed SBA debenture rates.
States where Newburyport Five Cents Savings Bank 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
Specialty Trade Contractors
Construction
Building Construction
Construction
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Real Estate
Real Estate
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Newburyport Five Cents Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+1.63% | $73K | Q2 2025 |
| Massachusetts · Building Construction · Under $150K | 7(a) | 6 | P+2.00% | $62K | Q1 2025 |
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+1.25% | $90K | Q2 2024 |
| New Hampshire · Manufacturing · Under $150K | 7(a) | 4 | P+2.13% | $99K | Q3 2023 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 4 | P+1.50% | $68K | Q2 2024 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.13% | $70K | Q1 2025 |
| Massachusetts · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.50% | $240K | Q2 2023 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+1.50% | $128K | Q3 2025 |
| New Hampshire · Manufacturing · $150K – $350K | 7(a) | 3 | P+1.25% | $262K | Q3 2023 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.50% | $73K | Q1 2025 |
| Massachusetts · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.25% | $72K | Q3 2024 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 3 | P+1.75% | $93K | Q1 2024 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 3 | P+1.00% | $108K | Q1 2022 |
| Massachusetts · Information & Media · $150K – $350K | 7(a) | 2 | P+0.50% | $250K | Q1 2023 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.50% | $275K | Q1 2021 |
| Massachusetts · Information & Media · Under $150K | 7(a) | 2 | P+1.09% | $110K | Q1 2024 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 2 | P+2.25% | $25K | Q2 2025 |
| New Hampshire · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+1.13% | $100K | Q4 2024 |
| New Hampshire · Management & IT Consulting · Under $150K | 7(a) | 2 | P+0.75% | $50K | Q4 2024 |
| New Hampshire · Other Professional Services · Under $150K | 7(a) | 2 | P+-1.25% | $50K | Q4 2022 |
| New Hampshire · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.25% | $224K | Q2 2022 |
| New Hampshire · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.50% | $43K | Q3 2023 |
| New Hampshire · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+0.81% | $199K | Q4 2023 |
| New Hampshire · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+1.88% | $33K | Q2 2025 |
| New Hampshire · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+1.75% | $250K | Q3 2021 |
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