SBA lending record

S & P Management, LLC

220 Sutton St, North Andover, MA · Full-Service Restaurants. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$833K

Total SBA financing

Loans on record

FY2022–25

On record

Jobs supported

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All 4 loans

$100,000 — FY2025

Loan 1 of 4

Gross approval: $100,000
SBA guaranteed: $50,000 (50%)
Status: Current
Rate at approval: 9.5% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 7/8/2025
First disbursement: 7/25/2025
Days to fund: 17 days
Collateral: Required
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Full-Service Restaurants
NAICS code: 722511
Lender: Rockland Trust Company
Address: 220 Sutton St
City: North Andover
County: Essex
SBA district office: MASSACHUSETTS DISTRICT OFFICE
Congressional district: 6

$250,000 — FY2025

Loan 2 of 4

Gross approval: $250,000
SBA guaranteed: $187,500 (75%)
Status: Current
Rate at approval: 6.49% f
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/24/2024
First disbursement: 2/28/2025
Days to fund: 127 days
Collateral: Required
Jobs supported: 16
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Full-Service Restaurants
NAICS code: 722511
Lender: Rockland Trust Company
Address: 220 SUTTON ST
City: North Andover
County: Essex
SBA district office: MASSACHUSETTS DISTRICT OFFICE
Congressional district: 6

$150,000 — FY2025

Loan 3 of 4

Gross approval: $150,000
SBA guaranteed: $112,500 (75%)
Status: Current
Rate at approval: 6.74% f
Term: 84 mo (7 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/24/2024
First disbursement: 2/28/2025
Days to fund: 127 days
Collateral: Required
Jobs supported: 16
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Full-Service Restaurants
NAICS code: 722511
Lender: Rockland Trust Company
Address: 220 SUTTON ST
City: North Andover
County: Essex
SBA district office: MASSACHUSETTS DISTRICT OFFICE
Congressional district: 6

$333,000 — FY2022

Loan 4 of 4

Gross approval: $333,000
SBA guaranteed: $249,750 (75%)
Status: Paid in full
Rate at approval: 5.9% f
Term: 87 mo (7 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Business purchase
Approved: 5/9/2022
First disbursement: 6/6/2022
Days to fund: 28 days
Paid in full: 1/31/2025
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Change of Ownership
Industry: Full-Service Restaurants
NAICS code: 722511
Lender: Eastern Bank
Address: 220 Sutton St
City: North Andover
County: Essex
SBA district office: MASSACHUSETTS DISTRICT OFFICE
Congressional district: 6

The lenders

Rockland Trust Company

3 loans to this businessFull SBA lending record + branches on the lender page →

Eastern Bank

1 loan to this businessFull SBA lending record + branches on the lender page →

Find SBA lenders for businesses like this

The banks most active funding full-service restaurants — by location, industry.

SBA lenders in Massachusetts Lenders for full-service restaurants Full-Service Restaurants lenders in Massachusetts

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Agent summary

This page summarizes the public SBA 7(a) lending record for S & P Management, LLC in North Andover, MA (Full-Service Restaurants). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

4 SBA 7(a) loans totaling $833K
On record FY2022–25
34 jobs supported
Industry: Full-Service Restaurants
Location: North Andover, MA
Lenders: Rockland Trust Company, Eastern Bank

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Full-Service Restaurants businesses in MA for ~$208k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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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/businesses/s-p-management-llc-ma
API:: https://www.capbench.com/api/public/businesses/s-p-management-llc-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.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with S & P Management, LLC.