Lender intelligence

Most active SBA lenders in Massachusetts

Industry:

Massachusetts has 17 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 1,287 SBA 7(a) loans in Massachusetts in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance Massachusetts acquisitions

$450K

Typical loan

range $192K–$1.16M

$500K

Est. purchase price

≈ loan ÷ 90%

$66,875

Cash to close

$50,000 down + fees

$5,823/mo

Typical payment

~9.5% · 10yr

$80,357/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.3%

Still performing

0.7% default · FY20–23

21 days

Typical time to fund

108

Lenders competing

more = leverage

7.83%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

1.196 loans · $21M · Boston, MAFull record →
2.1,322 loans · $185M · Wilmington, DEFull record →
3.1,927 loans · $207M · Buffalo, NYFull record →
4.72 loans · $22M · Rockland, MAFull record →
5.3 loans · $2M · Minneapolis, MNFull record →
6.3,264 loans · $846M · Miami, FLFull record →
7.1,296 loans · $1.4B · Wilmington, NCFull record →
8.19 loans · $5M · Salem, MAFull record →
9.2,539 loans · $965M · Columbus, OHFull record →
10.85 loans · $36M · Waterbury, CTFull record →
11.15 loans · $3M · Taunton, MAFull record →
12.1,025 loans · $292M · Berkeley Heights, NJFull record →
13.11 loans · $4M · Hyannis, MAFull record →
14.575 loans · $220M · De Graff, OHFull record →
15.105 loans · $164M · Brookline, MAFull record →
16.868 loans · $362M · Salt Lake City, UTFull record →
17.318 loans · $229M · Osage Beach, MOFull record →
18.35 loans · $33M · Providence, RIFull record →
19.16 loans · $14M · Arlington, MAFull record →
20.13 loans · $3M · Florence, MAFull record →
21.7 loans · $1M · Natick, MAFull record →
22.12 loans · $1M · Swansea, MAFull record →
23.741 loans · $149M · Northbrook, ILFull record →
24.4 loans · $1M · South Weymouth, MAFull record →
25.5 loans · $1M · Hanscom Air Force Base, MAFull record →

656+ funded Massachusetts deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Balance Professional, Inc in Ludlow, MA — $5.0M (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
55 days
Approved
12/12/2025
First disbursed
2/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Temporary Help Services
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$57,925
Annual debt service
$695K
Cash flow needed (1.25×)
$869K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
EVS Funeral Home Inc. in Burlington, MA — $4.8M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.88% variable
Term
204 mo (17 yrs)
SBA guaranteed
$3.6M (75%)
Approved
2/6/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Funeral Homes and Funeral Services
If you were the buyer here
Est. deal size
$5.3M
Est. down payment (10%)
$533K
Est. cash at closing
$738K
Monthly payment
$42,774
Annual debt service
$513K
Cash flow needed (1.25×)
$642K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Bay State Transportation Co. in Lynn, MA — $4.5M (2026) · purchase · East Cambridge Savings Bank
Program
7a General
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.4M (75%)
Approved
11/19/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
88
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$5.0M
Est. down payment (10%)
$500K
Est. cash at closing
$692K
Monthly payment
$54,005
Annual debt service
$648K
Cash flow needed (1.25×)
$810K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East Cambridge Savings Bank · Lender record →
Your business? Claim this record · Request removal
R.H. Scales Co Inc. in Mansfield, MA — $4.3M (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.2M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Change of Ownership
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
If you were the buyer here
Est. deal size
$4.8M
Est. down payment (10%)
$476K
Est. cash at closing
$658K
Monthly payment
$36,653
Annual debt service
$440K
Cash flow needed (1.25×)
$550K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
EVEREST METALS INDUSTRIES, INC. in Wilmington, MA — $4.2M (2026) · purchase · Beacon Bank and Trust
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (90%)
Approval → funding
56 days
Approved
12/8/2025
First disbursed
2/2/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Metal Service Centers and Other Metal Merchant Wholesalers
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$470K
Est. cash at closing
$649K
Monthly payment
$51,273
Annual debt service
$615K
Cash flow needed (1.25×)
$769K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Granite Ridge Holdings Inc. in Lee, MA — $4.1M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (75%)
Approved
3/9/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Change of Ownership
Industry
Electronics and Appliance Retailers
If you were the buyer here
Est. deal size
$4.5M
Est. down payment (10%)
$451K
Est. cash at closing
$623K
Monthly payment
$51,392
Annual debt service
$617K
Cash flow needed (1.25×)
$771K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pathward National Association · Lender record →
Your business? Claim this record · Request removal
ROYAL COMFORT HOME CARE INC in Lawrence, MA — $3.1M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (70%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
129
Business age
Change of Ownership
Industry
Home Health Care Services
If you were the buyer here
Est. deal size
$3.4M
Est. down payment (10%)
$342K
Est. cash at closing
$472K
Monthly payment
$37,716
Annual debt service
$453K
Cash flow needed (1.25×)
$566K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
METROWEST SALON HOLDINGS CORP. in Acton, MA — $2.8M (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
29 days
Approved
1/27/2026
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$312K
Est. cash at closing
$430K
Monthly payment
$23,556
Annual debt service
$283K
Cash flow needed (1.25×)
$353K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
TAG Associates Inc. in Norwood, MA — $2.5M (2026) · purchase · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
31 days
Approved
1/27/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Administrative Management and General Management Consulting
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$282K
Est. cash at closing
$389K
Monthly payment
$31,808
Annual debt service
$382K
Cash flow needed (1.25×)
$477K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Evergreen Acquisitions LLC in Lincoln, MA — $2.2M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
24 days
Approved
11/17/2025
First disbursed
12/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Landscaping Services
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$241K
Est. cash at closing
$332K
Monthly payment
$27,757
Annual debt service
$333K
Cash flow needed (1.25×)
$416K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Caret U LLC in Provincetown, MA — $2.0M (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approved
3/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Recreational and Vacation Camps (except Campgrounds)
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$225K
Est. cash at closing
$310K
Monthly payment
$16,648
Annual debt service
$200K
Cash flow needed (1.25×)
$250K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Nationwide Infrastructure Systems, LLC in Duxbury, MA — $2.0M (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
5.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Electrical Contractors and Other Wiring Installation Contrac
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$221K
Est. cash at closing
$304K
Monthly payment
$21,971
Annual debt service
$264K
Cash flow needed (1.25×)
$330K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
67 Coastal Group, Inc. in Pembroke, MA — $1.9M (2026) · purchase · The Cape Cod Five Cents Savings Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approved
3/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$206K
Est. cash at closing
$284K
Monthly payment
$22,998
Annual debt service
$276K
Cash flow needed (1.25×)
$345K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Cape Cod Five Cents Savings Bank · Lender record →
Your business? Claim this record · Request removal
Anchor Point Chiropractic LLC in Plymouth, MA — $1.7M (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
5 days
Approved
3/26/2026
First disbursed
3/31/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Offices of Chiropractors
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$266K
Monthly payment
$22,554
Annual debt service
$271K
Cash flow needed (1.25×)
$338K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
The Massage School LLC in Newton, MA — $1.7M (2026) · purchase · bankESB
Program
Preferred Lenders Program
Rate at approval
7.14% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
15 days
Approved
12/4/2025
First disbursed
12/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Other Technical and Trade Schools
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$186K
Est. cash at closing
$256K
Monthly payment
$25,410
Annual debt service
$305K
Cash flow needed (1.25×)
$381K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by bankESB · Lender record →
Your business? Claim this record · Request removal
SONO Ventures, Inc. in Chicopee, MA — $1.6M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
35 days
Approved
1/21/2026
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$182K
Est. cash at closing
$250K
Monthly payment
$20,703
Annual debt service
$248K
Cash flow needed (1.25×)
$311K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Atlantic View Group LLC in Plympton, MA — $1.6M (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$20,923
Annual debt service
$251K
Cash flow needed (1.25×)
$314K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Ale Restaurant Corp in Abington, MA — $1.4M (2026) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
83 days
Approved
11/18/2025
First disbursed
2/9/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
71
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$206K
Monthly payment
$15,501
Annual debt service
$186K
Cash flow needed (1.25×)
$233K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Proprietor Holdings LLC in Ashland, MA — $1.3M (2026) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$952K (75%)
Approval → funding
12 days
Approved
11/13/2025
First disbursed
11/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Elementary and Secondary Schools
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$141K
Est. cash at closing
$193K
Monthly payment
$8,768
Annual debt service
$105K
Cash flow needed (1.25×)
$132K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Oceana Collective, LLC in Orleans, MA — $1.2M (2026) · purchase · Cape and Coast Bank
Program
7a General
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$898K (75%)
Approved
3/11/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Gift, Novelty, and Souvenir Retailers
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$133K
Est. cash at closing
$182K
Monthly payment
$9,841
Annual debt service
$118K
Cash flow needed (1.25×)
$148K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Cape and Coast Bank · Lender record →
Your business? Claim this record · Request removal

Buying in Massachusetts? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a Massachusetts project address.

Agent summary

The SBA 7(a) lenders most active in Massachusetts over the trailing 12 months, from public loan records, led by Eastern Bank. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
1,287 Massachusetts loans (12 mo)
$450K typical acquisition loan
21 days typical to fund

Buyers buying in Massachusetts typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/massachusetts
API:: https://www.capbench.com/api/public/lenders?state=MA
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.