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
106
2010–2026
Total Volume
$46M
Gross loan amounts
States Active
2
With recorded loans
Programs
504
106 total segments
Southern Maine Finance Agency is a 504-only lender, which means they focus exclusively on real estate financing. This specialization can be beneficial for borrowers looking for property-related loans, as they have a deep understanding of this area. With 106 deals totaling $46M, their expertise in 504 loans is evident, especially compared to the national average of only 18% for 504 share.
The average deal size at Southern Maine Finance Agency is $431,840, with a significant portion (55 deals) falling between $150K and $350K. This indicates that they are well-suited for borrowers seeking mid-sized loans, particularly for existing businesses, which make up 68% of their deals. If your financing needs align with this range, they could be a good fit.
Southern Maine Finance Agency has shown impressive growth, with a 67% year-over-year increase in deals. This upward trend suggests that they are gaining traction in the market, which could mean more favorable lending conditions for borrowers as they expand their operations. However, as they grow, competition for loans may increase, so it's wise to act promptly if you're considering applying.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 106 504 loans, which use fixed SBA debenture rates.
States where Southern Maine Finance Agency has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Social Assistance
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Southern Maine Finance Agency, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Maine · Restaurants & Food Service · $150K – $350K | 504 | 14 | — | $251K | Q3 2025 |
| Maine · Hotels & Accommodation · $150K – $350K | 504 | 6 | — | $272K | Q1 2022 |
| Maine · Restaurants & Food Service · $350K – $500K | 504 | 5 | — | $459K | Q4 2017 |
| Maine · Hotels & Accommodation · $500K – $1M | 504 | 4 | — | $674K | Q1 2025 |
| Maine · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $654K | Q1 2025 |
| Maine · Hotels & Accommodation · $1M – $2M | 504 | 3 | — | $1.6M | Q1 2025 |
| Maine · Wholesale Trade · $150K – $350K | 504 | 3 | — | $259K | Q3 2013 |
| Maine · Social Assistance · $150K – $350K | 504 | 3 | — | $226K | Q3 2024 |
| Maine · Personal Care (Salons, Spas) · $150K – $350K | 504 | 3 | — | $209K | Q3 2019 |
| Maine · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $264K | Q2 2018 |
| Maine · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $281K | Q4 2013 |
| Maine · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $247K | Q2 2019 |
| Maine · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $675K | Q3 2024 |
| Maine · Administrative & Waste Services · $150K – $350K | 504 | 2 | — | $316K | Q2 2016 |
| Maine · Arts, Entertainment & Recreation · $350K – $500K | 504 | 2 | — | $464K | Q1 2019 |
| Maine · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $623K | Q1 2019 |
| Maine · Food & Beverage Stores · $150K – $350K | 504 | 2 | — | $240K | Q3 2017 |
| Maine · Wholesale Trade · $500K – $1M | 504 | 2 | — | $659K | Q4 2014 |
| Maine · Engineering & Architecture · $150K – $350K | 504 | 2 | — | $253K | Q4 2024 |
| Maine · Hotels & Accommodation · $350K – $500K | 504 | 1 | — | $486K | Q2 2023 |
| Massachusetts · Retail Trade · $500K – $1M | 504 | 1 | — | $675K | Q1 2018 |
| Maine · Restaurants & Food Service · $1M – $2M | 504 | 1 | — | $1.1M | Q2 2016 |
| Maine · Auto Repair & Maintenance · $150K – $350K | 504 | 1 | — | $175K | Q3 2018 |
| Maine · Auto Repair & Maintenance · $350K – $500K | 504 | 1 | — | $384K | Q3 2025 |
| Maine · Other Repair & Services · $150K – $350K | 504 | 1 | — | $331K | Q4 2018 |
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