{"ok":true,"canonical_url":"https://www.capbench.com/franchises/homesmiles","api_url":"https://www.capbench.com/api/public/franchises/homesmiles","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"HomeSmiles","slug":"homesmiles","url":"https://www.capbench.com/franchises/homesmiles","sbaLoansSince2020":31,"businessPurchases":0,"typicalDeal":150000,"dealRange25th75th":[150000,250000],"avgRatePct":10.4,"failureRatePct":0,"loansSinceFY2025":15,"topLenders":[{"name":"United Midwest Savings Bank National Association","count":25,"url":"https://www.capbench.com/lenders/united-midwest-savings-bank-national-association"},{"name":"Newtek Small Business Finance, Inc.","count":2,"url":null},{"name":"The Huntington National Bank","count":2,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"VelocitySBA, LLC","count":1,"url":"https://www.capbench.com/lenders/velocitysba-llc"},{"name":"Citizens Bank","count":1,"url":"https://www.capbench.com/lenders/citizens-bank"}],"topStates":[{"count":9,"state":"TX"},{"count":3,"state":"FL"},{"count":2,"state":"NC"},{"count":2,"state":"NV"},{"count":2,"state":"OR"},{"count":2,"state":"OH"},{"count":2,"state":"CA"},{"count":1,"state":"KY"}],"recentDeals":[{"borrower":"Rice & Bean Solutions LLC dba HomeSmiles Durham NC","city":"Chapel Hill","state":"NC","amount":325000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Goodrich Property Services, LLC","city":"Westbrook","state":"ME","amount":300000,"fiscalYear":2026,"businessPurchase":false,"lender":"VelocitySBA, LLC"},{"borrower":"Jaenchen Enterprises, LLC dba Jaenchen Enterprises, LLC DBA, HomeSmiles Northern","city":"Carson City","state":"NV","amount":250000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"SPS HOLDINGS LLC","city":"Salem","state":"OR","amount":250000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"JAMMA ENTERPRISES LLC","city":"Polk City","state":"FL","amount":250000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"1775 Consulting & Home Services LLC","city":"San Antonio","state":"TX","amount":200000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"MBT ENTERPRISES LLC dba HOMESMILES NKY; dba HOMESMILES NORTHERN KENTUCKY","city":"Florence","state":"KY","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"DEGS INVESTMENTS, L.L.C. dba HOMESMILES MIAMI","city":"Doral","state":"FL","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Smart Home Essentials LLC dba HomeSmiles Pearland","city":"Houston","state":"TX","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Vigorelli Sorrisi di Casa, Inc. dba HOMESMILES-BAKERSFIELD","city":"Bakersfield","state":"CA","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a HomeSmiles purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a HomeSmiles purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"HomeSmiles"},"web_url":"https://www.capbench.com/franchises/homesmiles?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with HomeSmiles.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"HomeSmiles"},"web_url":"https://www.capbench.com/franchises/homesmiles?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full HomeSmiles SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"HomeSmiles"},"web_url":"https://www.capbench.com/franchises/homesmiles?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/homesmiles","source_type":"CapBench Data"}}