Brookline Bank, a Division of Beacon Bank and Trust
Headquartered in Brookline, MA. Analysis based on 1,532 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.54B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Brookline Bank, a Division of Beacon Bank and Trust ranks #17 by charge-off rate (0.60%).
Total 7(a) loans
1,532
Total approved
$1.54B
Average loan
$1.0M
States funded in
44
Charge-off rate
0.60%
FY2020–FY2023 cohort
Paid-in-full rate
33.97%
Average rate
8.04%
Average term
156 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 121 |
| 722513 | Limited-Service Restaurants | 70 |
| 561730 | Landscaping Services | 68 |
| 624410 | Child Day Care Services | 48 |
| 238990 | All Other Specialty Trade Contractors | 32 |
| 713940 | Fitness and Recreational Sports Centers | 32 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 29 |
| 541110 | Offices of Lawyers | 22 |
| 811111 | General Automotive Repair | 21 |
| 812199 | Other Personal Care Services | 17 |
Top 10 states
| State | Loans |
|---|---|
| MA | 225 |
| PA | 215 |
| FL | 163 |
| NJ | 138 |
| NY | 126 |
| RI | 126 |
| CT | 81 |
| TX | 51 |
| MD | 39 |
| CO | 35 |
Top franchise brands financed
180 franchise loans across 112 distinct brands.
| Franchise | Loans |
|---|---|
| Spenga | 7 |
| Smash My Trash | 5 |
| The Great Greek Mediterranean | 5 |
| Kiddie Academy | 5 |
| Taco John's | 4 |
| The Simple Greek | 4 |
| Premier Martial Arts Studio | 3 |
| Closet Factory | 3 |
| DQ Grill & Chill Operating Agr | 3 |
| Edible Arrangements | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.