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
420
2010–2026
Total Volume
$82M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
420 total segments
South Shore Bank has a strong focus on existing businesses, with 81% of its deals serving this purpose. This makes them a great choice if you're looking to expand or refinance an established business.
With an average 7(a) spread of P+1.86%, South Shore Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has a significant presence in Massachusetts, accounting for 416 out of 420 total deals. If you're located in MA, this local expertise can be beneficial for your loan process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 69 504 loans, which use fixed SBA debenture rates.
States where South Shore Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Personal Care (Salons, Spas)
Other Services
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for South Shore Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 56 | P+2.38% | $56K | Q4 2025 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 27 | P+2.25% | $34K | Q2 2018 |
| Massachusetts · Transportation & Warehousing · Under $150K | 7(a) | 25 | P+2.00% | $38K | Q4 2016 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 24 | P+2.13% | $26K | Q2 2020 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 23 | P+2.00% | $44K | Q1 2018 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 16 | P+2.50% | $55K | Q3 2018 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 15 | P+2.75% | $87K | Q1 2022 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 11 | P+2.00% | $263K | Q1 2020 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 11 | P+3.00% | $69K | Q4 2019 |
| Massachusetts · Physician & Dental Offices · Under $150K | 7(a) | 10 | P+0.50% | $68K | Q1 2025 |
| Massachusetts · General Merchandise · Under $150K | 7(a) | 9 | P+2.75% | $49K | Q4 2021 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 8 | P+2.25% | $41K | Q2 2017 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.38% | $34K | Q3 2025 |
| Massachusetts · Building Construction · Under $150K | 7(a) | 7 | P+2.00% | $91K | Q2 2025 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 6 | P+3.13% | $52K | Q4 2017 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 5 | — | $241K | Q2 2021 |
| Massachusetts · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+3.00% | $29K | Q4 2019 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+0.00% | $219K | Q4 2025 |
| Massachusetts · Social Assistance · Under $150K | 7(a) | 5 | P+1.25% | $113K | Q4 2021 |
| Massachusetts · Finance & Insurance · Under $150K | 7(a) | 4 | P+3.00% | $55K | Q3 2018 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 4 | P+2.19% | $60K | Q2 2014 |
| Massachusetts · Information & Media · Under $150K | 7(a) | 4 | P+2.13% | $70K | Q4 2016 |
| Massachusetts · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+1.00% | $306K | Q2 2018 |
| Massachusetts · Accounting & Tax · Under $150K | 7(a) | 4 | P+3.00% | $30K | Q4 2015 |
| Massachusetts · Engineering & Architecture · Under $150K | 504 | 4 | — | $127K | Q4 2020 |
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