SBA lending record

Two Boys Bread, Inc.

4971 STAGE RD, Concord, VA 24538 · Limited-Service Restaurants. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$350K

Total SBA financing

Loan on record

FY2022

On record

Jobs supported

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

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The loan

$350,000 — FY2022

Gross approval: $350,000
SBA guaranteed: $262,500 (75%)
Status: Current
Rate at approval: 4.75% v
Term: 96 mo (8 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 6/7/2022
First disbursement: 6/8/2022
Days to fund: 1 days
Collateral: Required
Jobs supported: 20
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Limited-Service Restaurants
NAICS code: 722513
Lender: The First Bank and Trust Company
Address: 4971 STAGE RD
City: Concord, 24538
County: Campbell
SBA district office: RICHMOND DISTRICT OFFICE
Congressional district: 5

The lender

The First Bank and Trust Company

1 loan to this business

Find SBA lenders for businesses like this

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

SBA lenders in Virginia Lenders for limited-service restaurants Limited-Service Restaurants lenders in Virginia

Similar businesses

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

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SBA financing: ≈ $520K–$866K
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SBA financing: ≈ $686K–$1.1M
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SBA financing: ≈ $980K–$1.6M
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Grit Coffee, LLC

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SBA financing: ≈ $490K–$817K
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Lutra Cafe and Bakery, LLC

Durham, NC· ~96 mi

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SBA financing: ≈ $686K–$1.1M
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Agent summary

This page summarizes the public SBA 7(a) lending record for Two Boys Bread, Inc. in Concord, VA (Limited-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.

1 SBA 7(a) loan totaling $350K
On record FY2022
20 jobs supported
Industry: Limited-Service Restaurants
Location: Concord, VA
Lender: The First Bank and Trust Company

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Limited-Service Restaurants businesses in VA for ~$350k 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/two-boys-bread-inc-va
API:: https://www.capbench.com/api/public/businesses/two-boys-bread-inc-va
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 Two Boys Bread, Inc..