Oak to Ember, LLC
Oak to Ember, LLC is located in Gloucester, MA, and the SBA lists its industry as Full-Service Restaurants. It was approved for an SBA 504 loan ($1,238,000 SBA portion) on September 10, 2026 to finance real estate or equipment.
SBA 504 loan, approved Sep 10, 2026
- SBA (CDC) portion
- $1,238,000
- Bank portion
- $1,500,000
- Estimated project size
- $3,042,222 (estimated)
- Estimated owner equity
- $304,222 (estimated, about 10% of the project)
- Bank lender
- M&T Bank Corporation, Buffalo, NY
- Processing method
- Accredited Lenders Program: CDC with an expedited SBA review
- Term
- 25 years (300 months)
- Estimated maturity
- September 10, 2051 (estimated, approval date plus term)
- Loan status
- Approved, not yet funded
- Jobs supported
- 29
- Business type
- Corporation
- NAICS
- 722511, Full-Service Restaurants
- Project location
- Essex County, MA
- SBA district office
- Massachusetts District Office
- Congressional district
- MA-6
- Collateral
- Yes
Estimated share of project by source
Bank 49% SBA (CDC) 41% Owner 10%
- Larger than 24% of expansion loans in Full-Service Restaurants on this site.
- Average expansion loan in Full-Service Restaurants: $1,813,082.
- Average expansion loan in Massachusetts: $2,009,683.
Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.
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