Lender · SBA 7(a) record
The Cape Cod Five Cents Savings Bank
MA · lends in 1 state · 270 SBA loans since 2010, 74 in the last five years.
How fast they approve. The Cape Cod Five Cents Savings Bank made 28% of its recent 7(a) loans under full Preferred Lender (PLP) authority and another 65% through SBA Express — both let it approve without waiting on the SBA. Larger, more complex deals lean on the PLP share. Why approval speed comes down to the lender.
What stands out about The Cape Cod Five Cents Savings Bank
vs every other SBA lenderThe Cape Cod Five Cents Savings Bank lives at the small end. Its median loan is just $50k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
It leans into one industry. 17% of The Cape Cod Five Cents Savings Bank's loans go to landscaping services — roughly 3× the share you would expect, so it clearly knows that business.
The Cape Cod Five Cents Savings Bank is startup-heavy. 89% of its loans are startups, well above the norm — a good sign if that is your deal.
This read is built from 74 funded 7(a) loans over the last five fiscal years; outside its core states the sample thins out, so weigh the rest accordingly.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Lends conservatively
1.11% charged off against 2.11% across all SBA lending. Clean books usually mean tight credit standards. Good rates if you fit their box, and a quick decline if you don't.
What rate people got
median markup over primeThe median borrower here paid prime + 2.26%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2011 | 0.0 | 0.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 2013 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2014 | 0.0 | 0.0 | 0.0 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
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Common questions
Does The Cape Cod Five Cents Savings Bank make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 8 startups. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan The Cape Cod Five Cents Savings Bank will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $10,000, and the typical (median) The Cape Cod Five Cents Savings Bank loan is $50,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do The Cape Cod Five Cents Savings Bank SBA borrowers get?
On variable-rate loans, recent The Cape Cod Five Cents Savings Bank borrowers paid a median of prime + 2.26%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does The Cape Cod Five Cents Savings Bank lend in?
Most of The Cape Cod Five Cents Savings Bank's recent SBA lending is concentrated in Massachusetts. Compare lenders by state.