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
130
2010–2025
Total Volume
$14M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
130 total segments
Peoples Trust Company of St. Albans focuses heavily on existing businesses, with 59% of their deals serving this purpose. This suggests they are well-suited for established companies looking for financing.
With an average 7(a) spread of P+2.67%, Peoples Trust Company offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money on interest costs.
The lender's growth trend shows a decline of 38% year-over-year, indicating potential challenges in their lending capacity. Borrowers should be prepared for possibly stricter approval processes.
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 Peoples Trust Company of St. Albans has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Peoples Trust Company of St. Albans, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 20 | P+3.25% | $60K | Q2 2025 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 13 | P+3.25% | $44K | Q3 2018 |
| Vermont · Manufacturing · Under $150K | 7(a) | 12 | P+1.59% | $58K | Q3 2025 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.00% | $26K | Q4 2022 |
| Vermont · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+2.75% | $31K | Q1 2023 |
| Vermont · Retail Trade · Under $150K | 7(a) | 5 | P+3.25% | $43K | Q3 2021 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.00% | $48K | Q1 2018 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 4 | P+3.38% | $40K | Q3 2024 |
| Vermont · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+4.50% | $20K | Q3 2019 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.75% | $66K | Q2 2018 |
| Vermont · Agriculture & Forestry · $150K – $350K | 7(a) | 4 | P+4.00% | $237K | Q3 2018 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.00% | $229K | Q1 2023 |
| Vermont · Real Estate · Under $150K | 7(a) | 3 | P+2.25% | $28K | Q2 2017 |
| Vermont · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.92% | $119K | Q2 2022 |
| Vermont · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+-0.19% | $43K | Q1 2023 |
| Vermont · Engineering & Architecture · Under $150K | 7(a) | 2 | P+3.25% | $64K | Q2 2016 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+3.00% | $38K | Q2 2014 |
| Vermont · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.63% | $255K | Q2 2018 |
| Vermont · Other Repair & Services · $1M – $2M | 7(a) | 2 | P+1.25% | $1.4M | Q2 2016 |
| Vermont · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.00% | $350K | Q2 2015 |
| Vermont · Education · Under $150K | 7(a) | 2 | P+2.25% | $40K | Q3 2021 |
| Vermont · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.88% | $220K | Q1 2022 |
| Vermont · Physician & Dental Offices · Under $150K | 7(a) | 1 | P+0.49% | $75K | Q2 2024 |
| Vermont · Legal Services · Under $150K | 7(a) | 1 | P+1.50% | $50K | Q1 2014 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 1 | P+4.50% | $60K | Q2 2012 |
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 Peoples Trust Company of St. Albans.
No reviews yet. Be the first to review Peoples Trust Company of St. Albans.