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
81
2010–2025
Total Volume
$15M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
81 total segments
Most active in Maine (100% of deals) and focuses heavily on manufacturing (12% of deals).
Manufacturing makes up 12% of Saco and Biddeford Savings Institution's deals — 2.9x the national average. This is a clear specialist, not a generalist who happens to do some manufacturing lending.
81 SBA loans worth $14.6M since FY2010, with deal volume up 75% over the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 13 504 loans, which use fixed SBA debenture rates.
States where Saco and Biddeford Savings Institution 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
Retail Trade
Retail Trade
Real Estate
Real Estate
Engineering & Architecture
Professional Services
Administrative & Waste Services
Administrative & Waste Services
Hotels & Accommodation
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Saco and Biddeford Savings Institution, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Maine · Manufacturing · Under $150K | 7(a) | 7 | P+2.50% | $70K | Q3 2016 |
| Maine · Retail Trade · Under $150K | 7(a) | 7 | P+3.00% | $69K | Q1 2013 |
| Maine · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.63% | $46K | Q2 2016 |
| Maine · Engineering & Architecture · Under $150K | 7(a) | 5 | P+2.50% | $98K | Q2 2025 |
| Maine · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.88% | $31K | Q1 2025 |
| Maine · Real Estate · Under $150K | 7(a) | 4 | P+3.00% | $57K | Q4 2012 |
| Maine · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.50% | $290K | Q1 2025 |
| Maine · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.2M | Q4 2019 |
| Maine · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.50% | $30K | Q3 2010 |
| Maine · Other Professional Services · Under $150K | 7(a) | 2 | P+1.25% | $100K | Q2 2012 |
| Maine · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.83% | $80K | Q1 2011 |
| Maine · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.56% | $23K | Q4 2009 |
| Maine · Social Assistance · Under $150K | 7(a) | 2 | P+3.13% | $37K | Q4 2010 |
| Maine · Real Estate · $150K – $350K | 7(a) | 2 | P+2.13% | $203K | Q4 2011 |
| Maine · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.13% | $75K | Q3 2012 |
| Maine · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.38% | $318K | Q3 2024 |
| Maine · Manufacturing · $150K – $350K | 504 | 1 | — | $175K | Q3 2010 |
| Maine · Other Professional Services · Under $150K | 504 | 1 | — | $141K | Q3 2010 |
| Maine · Retail Trade · $350K – $500K | 504 | 1 | — | $493K | Q2 2018 |
| Maine · Sporting Goods & Hobby · $150K – $350K | 504 | 1 | — | $347K | Q3 2021 |
| Maine · Arts, Entertainment & Recreation · $500K – $1M | 504 | 1 | — | $948K | Q4 2012 |
| Maine · Real Estate · $500K – $1M | 504 | 1 | — | $648K | Q3 2024 |
| Maine · Hotels & Accommodation · $150K – $350K | 504 | 1 | — | $349K | Q2 2021 |
| Maine · Finance & Insurance · $350K – $500K | 504 | 1 | — | $438K | Q2 2012 |
| Maine · Real Estate · $350K – $500K | 504 | 1 | — | $496K | Q2 2024 |
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