Maine Community Bank: SBA Lending Profile
Maine Community Bank is an FDIC-insured bank, headquartered in Portland, ME. It is active in 2 states, concentrated around ME, NH. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Maine Community Bank actually approves
The median SBA approval at Maine Community Bank is $120,500. The middle 80% of its loans fall between $24,100 and $680,000. The smallest approval on record since 2020 is $6,600 and the largest is $3,752,900. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 65 | $121K | 7.14% | 10 years |
| 504 first mortgage (third party) | 13 | $325K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 17 | 7.5% |
| Limited-Service Restaurants | 14 | 6.1% |
| Snack and Nonalcoholic Beverage Bars | 9 | 3.9% |
| Mobile Food Services | 8 | 3.5% |
| Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 7 | 3.1% |
| Shellfish Fishing | 7 | 3.1% |
| Other Personal Care Services | 6 | 2.6% |
| Offices of Mental Health Practitioners (except Physicians) | 5 | 2.2% |
| Logging | 4 | 1.8% |
| All Other Specialty Trade Contractors | 4 | 1.8% |
| Supermarkets and Other Grocery (except Convenience) Stores | 4 | 1.8% |
| Hotels (except Casino Hotels) and Motels | 3 | 1.3% |
Borrower profile
- 48.2% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 99.6% of its recent SBA loans.
- 27.6% of its SBA lending is revolving lines of credit rather than term loans.
- 68.4% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Maine Community Bank.