SBA lending record

Thomas Simpson, Jr

16018 mcmullen hwy, Cumberland, MD 21502 · Full-Service Restaurants. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$345K

Total SBA financing

Loans on record

FY2023

On record

Jobs supported

Franchise brand

Subway

See Subway's SBA financing data — typical deal, failure rate, and how its loans perform →

● business — business location is the ZIP-area centroid from the public record

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All 2 loans

$110,000 — FY2023

Loan 1 of 2

Gross approval: $110,000
SBA guaranteed: $55,000 (50%)
Status: Current
Rate at approval: 8.25% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Business purchase
Approved: 4/10/2023
First disbursement: 5/5/2023
Days to fund: 25 days
Collateral: Required
Jobs supported: 10
Business type: Individual
Business age: Change of Ownership
Industry: Full-Service Restaurants
NAICS code: 722511
Franchise: Subway
Franchise code: S1639
Lender: FNB Bank, Inc.
Address: 16018 mcmullen hwy
City: Cumberland, 21502
County: Allegany
SBA district office: BALTIMORE DISTRICT OFFICE
Congressional district: 6

$235,000 — FY2023

Loan 2 of 2

Gross approval: $235,000
SBA guaranteed: $117,500 (50%)
Status: Current
Rate at approval: 6.99% v
Term: 240 mo (20 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Business purchase
Approved: 4/10/2023
First disbursement: 5/5/2023
Days to fund: 25 days
Collateral: Required
Jobs supported: 10
Business type: Individual
Business age: Change of Ownership
Industry: Full-Service Restaurants
NAICS code: 722511
Franchise: Subway
Franchise code: S1639
Lender: FNB Bank, Inc.
Address: 16018 mcmullen hwy
City: Cresaptown, 21502
County: Allegany
SBA district office: BALTIMORE DISTRICT OFFICE
Congressional district: 6

The lender

FNB Bank, Inc.

2 loans to this business

Find SBA lenders for businesses like this

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

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

Other Subway locations

Other Subway businesses in the public SBA record — closest first, by location and deal size.

C & E ENTERPRISES, LLC

Cresaptown, MD· ~0 mi

Subway

$100K
SBA financing: ≈ $196K–$327K
Est. revenue (rough)

View record

A AND H FOOD SERVICES LLC

Kingwood, WV· ~44 mi

Subway

$175K
SBA financing: ≈ $343K–$572K
Est. revenue (rough)

View record

JVG Restaurant Group LLC

Bridgeport, WV· ~77 mi

Subway

$525K
SBA financing: ≈ $1.0M–$1.7M
Est. revenue (rough)

View record

Soni Investment Group Inc

Gibsonia, PA· ~98 mi

Subway

$430K
SBA financing: ≈ $843K–$1.4M
Est. revenue (rough)

View record

PSD ENTERPRISE LLC

Roanoke, VA· ~175 mi

Subway

$300K
SBA financing: ≈ $588K–$980K
Est. revenue (rough)

View record

MJ Subs LLC

Hanover, PA· ~98 mi

Subway

$245K
SBA financing: ≈ $480K–$801K
Est. revenue (rough)

View record

Similar businesses

Comparable full-service restaurants in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

Congress Street Holdings LLC

Berkeley Springs, WV· ~33 mi

Full-Service Restaurants

$432K
SBA financing: ≈ $847K–$1.4M
Est. revenue (rough)

View record

Brewery and the Beast LLC

Accident, MD· ~26 mi

Full-Service Restaurants

$185K
SBA financing: ≈ $363K–$605K
Est. revenue (rough)

View record

BRANCH MOUNTAIN MANAGEMENT, LLC

Petersburg, WV· ~42 mi

Full-Service Restaurants

$500K
SBA financing: ≈ $980K–$1.6M
Est. revenue (rough)

View record

FRESH MINT EXPRESS INC

Morgantown, WV· ~60 mi

Full-Service Restaurants

$368K
SBA financing: ≈ $721K–$1.2M
Est. revenue (rough)

View record

New Management Concepts LLC

Petersburg, WV· ~42 mi

Fox's Pizza Den

$497K
SBA financing: ≈ $975K–$1.6M
Est. revenue (rough)

View record

Matsutake Sushi & Steak

Frederick, MD· ~78 mi

Full-Service Restaurants

$350K
SBA financing: ≈ $686K–$1.1M
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for Thomas Simpson, Jr in Cumberland, MD (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.

2 SBA 7(a) loans totaling $345K
On record FY2023
20 jobs supported
Industry: Full-Service Restaurants
Location: Cumberland, MD
Lender: FNB Bank, Inc.

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Full-Service Restaurants businesses in MD for ~$173k 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/thomas-simpson-jr-md
API:: https://www.capbench.com/api/public/businesses/thomas-simpson-jr-md
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 Thomas Simpson, Jr.