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SBA lender · 7(a) program
East Cambridge Savings Bank
East Cambridge Savings Bank has approved 25 SBA loans worth $11.3M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
-
<0.01% of all SBA dollars
Total approved
$11.3M
FY2010 onward
Loans
25
Median loan
$250,000
+39% vs national
Median rate
6.32%
-0.43 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What East Cambridge Savings Bank’s numbers say
East Cambridge Savings Bank sits in the long tail of the SBA lending field, having approved 25 loans for a gross total of $11.3M since fiscal 2010. Its median loan of $250,000 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.32%, 0.43 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 59% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where East Cambridge Savings Bank lends
| State | Loans | Share |
|---|---|---|
| Massachusetts | 25 |
Franchise brands East Cambridge Savings Bank financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| The Exercise Coach | 2 | $163K | |
| Honey Dew Donuts | 1 | $125K | |
| Apple Spice | 1 | $325K |
Brands with the most East Cambridge Savings Bank SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
East Cambridge Savings Bank made 17 of these loans under the SBA Express programme, median $200,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from East Cambridge Savings Bank. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about East Cambridge Savings Bank
- How many SBA loans has East Cambridge Savings Bank approved?
- East Cambridge Savings Bank has approved 25 SBA loans totalling $11,290,300 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical East Cambridge Savings Bank SBA loan size?
- The median gross approval is $250,000, with the middle 80% of loans falling between $48,000 and $800,000. The national median across all SBA lenders is $180,000.
- What interest rate does East Cambridge Savings Bank charge on SBA 7(a) loans?
- The median initial note rate on East Cambridge Savings Bank's 7(a) approvals is 6.32%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
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