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
111
2010–2026
Total Volume
$40M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
111 total segments
Pentucket Bank has a strong focus on 504 loans, making up 36% 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 to finance real estate or large equipment purchases.
The bank's average spread for 7(a) loans is P+1.44%, which is lower than the national median of P+2.75%. This could mean more favorable loan terms for borrowers, making it a cost-effective option for financing.
Pentucket Bank's year-over-year growth trend shows a decline of 40%, with only 9 deals in the last quarter compared to 15 the previous year. This could indicate a tightening of lending standards, making it potentially more challenging for new borrowers to secure loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 40 504 loans, which use fixed SBA debenture rates.
States where Pentucket Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Engineering & Architecture
Professional Services
Retail Trade
Retail Trade
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Pentucket Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Hampshire · Manufacturing · Under $150K | 7(a) | 5 | P+1.50% | $48K | Q3 2024 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 4 | P+1.50% | $56K | Q3 2023 |
| New Hampshire · Wholesale Trade · $350K – $500K | 7(a) | 4 | P+1.00% | $475K | Q1 2018 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.00% | $44K | Q1 2025 |
| New Hampshire · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $202K | Q2 2022 |
| New Hampshire · Engineering & Architecture · Under $150K | 7(a) | 3 | P+2.25% | $60K | Q4 2017 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.00% | $37K | Q2 2019 |
| New Hampshire · Social Assistance · Under $150K | 7(a) | 3 | P+2.00% | $58K | Q4 2024 |
| New Hampshire · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $247K | Q3 2025 |
| New Hampshire · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+1.75% | $125K | Q2 2014 |
| New Hampshire · Engineering & Architecture · $500K – $1M | 7(a) | 2 | P+0.80% | $683K | Q1 2018 |
| Massachusetts · Wholesale Trade · $500K – $1M | 504 | 2 | — | $643K | Q2 2018 |
| Massachusetts · Specialty Trade Contractors · $350K – $500K | 7(a) | 2 | P+0.24% | $465K | Q2 2024 |
| Massachusetts · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $197K | Q4 2022 |
| New Hampshire · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.88% | $235K | Q2 2011 |
| New Hampshire · Retail Trade · $500K – $1M | 7(a) | 2 | P+1.63% | $607K | Q3 2021 |
| New Hampshire · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.25% | $78K | Q4 2025 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 504 | 2 | — | $104K | Q2 2022 |
| New Hampshire · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+-0.78% | $547K | Q1 2023 |
| Massachusetts · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.38% | $445K | Q1 2025 |
| New Hampshire · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.50% | $105K | Q3 2012 |
| New Hampshire · Manufacturing · $350K – $500K | 7(a) | 1 | P+2.25% | $380K | Q4 2010 |
| New Hampshire · Wholesale Trade · Under $150K | 7(a) | 1 | P+2.00% | $150K | Q3 2024 |
| New Hampshire · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+1.75% | $200K | Q4 2013 |
| New Hampshire · Retail Trade · Under $150K | 7(a) | 1 | P+2.75% | $50K | Q3 2011 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Pentucket Bank.
No reviews yet. Be the first to review Pentucket Bank.