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
153
2010–2026
Total Volume
$28M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
153 total segments
Rhinebeck Bank has a strong focus on small deals, with 72% of their SBA loans under $150K. This makes them a good fit for startups and small acquisitions.
With an average 7(a) spread of P+1.41%, Rhinebeck Bank offers competitive pricing compared to the national median of P+2.75%, which can save borrowers money.
Rhinebeck Bank's 504 loans account for 13% of their total deals, which is slightly below the national average of 18%. This indicates they may not be the best choice for larger real estate projects.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 20 504 loans, which use fixed SBA debenture rates.
States where Rhinebeck 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
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Personal Care (Salons, Spas)
Other Services
Engineering & Architecture
Professional Services
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for Rhinebeck Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Restaurants & Food Service · Under $150K | 7(a) | 22 | P+1.69% | $60K | Q4 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 11 | P+1.50% | $57K | Q2 2025 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 9 | P+1.50% | $50K | Q1 2022 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+1.50% | $50K | Q1 2022 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 7 | P+1.50% | $57K | Q2 2016 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+1.75% | $51K | Q2 2024 |
| New York · Retail Trade · Under $150K | 7(a) | 6 | P+2.00% | $53K | Q3 2021 |
| New York · Building Construction · Under $150K | 7(a) | 4 | P+2.00% | $93K | Q4 2017 |
| New York · Social Assistance · Under $150K | 7(a) | 4 | P+1.38% | $80K | Q2 2019 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+1.00% | $67K | Q3 2018 |
| New York · Manufacturing · $500K – $1M | 504 | 3 | — | $635K | Q4 2018 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+0.43% | $176K | Q2 2025 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.75% | $55K | Q1 2025 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.00% | $236K | Q2 2023 |
| New York · Wholesale Trade · Under $150K | 7(a) | 3 | P+1.50% | $83K | Q2 2015 |
| New York · Manufacturing · $150K – $350K | 504 | 2 | — | $276K | Q1 2023 |
| New York · Other Professional Services · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q1 2019 |
| New York · Other Repair & Services · Under $150K | 7(a) | 2 | P+0.17% | $84K | Q1 2021 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.06% | $29K | Q3 2015 |
| New York · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.04% | $300K | Q3 2018 |
| New York · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $225K | Q4 2021 |
| New York · General Merchandise · Under $150K | 7(a) | 2 | P+2.19% | $100K | Q1 2015 |
| New York · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.6M | Q4 2015 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.38% | $108K | Q1 2020 |
| New York · Finance & Insurance · Under $150K | 7(a) | 1 | P+1.25% | $25K | Q1 2024 |
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