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SBA lending record

JAMES CHRISTOPHER SMITH

780 POOLE CREEK ROAD, Laurel, MS 39443 · Gasoline Stations with Convenience Stores. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$70K

Total SBA financing

1

Loan on record

FY2022

On record

3

Jobs supported

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

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The loan

$69,700 — FY2022

Gross approval: $69,700
SBA guaranteed: $34,850 (50%)
Status: Paid in full
Rate at approval: 5.5% v
Term: 180 mo (15 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 8/9/2022
First disbursement: 8/11/2022
Days to fund: 2 days
Paid in full: 12/31/2025
Collateral: Required
Jobs supported: 3
Business type: Individual
Business age: New Business or 2 years or less
Industry: Gasoline Stations with Convenience Stores
NAICS code: 457110
Lender: Covington County Bank
Address: 780 POOLE CREEK ROAD
City: Laurel, 39443
County: Jones
SBA district office: MISSISSIPPI DISTRICT OFFICE
Congressional district: 3

The lender

Covington County 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 gasoline stations with convenience stores — by location, industry.

SBA lenders in Mississippi Lenders for gasoline stations with convenience stores Gasoline Stations with Convenience Stores lenders in Mississippi

Similar businesses

Comparable gasoline stations with convenience stores in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

Adcox & Grayson, Inc.

Forest, MS· ~52 mi

Gasoline Stations with Convenience Stores

$64K
SBA financing: ≈ $125K–$208K
Est. revenue (rough)

Davis Development Holdings, LLC

Waynesboro, MS· ~10 mi

Gasoline Stations with Convenience Stores

$700K
SBA financing: ≈ $1.4M–$2.3M
Est. revenue (rough)

HOT COFFEE JUNCTION LLC

Collins, MS· ~28 mi

Gasoline Stations with Convenience Stores

$248K
SBA financing: ≈ $487K–$811K
Est. revenue (rough)

SP1 FOOD MART LLC

Laurel, MS· ~11 mi

Gasoline Stations with Convenience Stores

$650K
SBA financing: ≈ $1.3M–$2.1M
Est. revenue (rough)

RAM Grocery & Cafe

Monticello, MS· ~70 mi

Gasoline Stations with Convenience Stores

$128K
SBA financing: ≈ $251K–$419K
Est. revenue (rough)

Taurus & Scorpio Brothers, LLC

Ridgeland, MS· ~85 mi

Gasoline Stations with Convenience Stores

$80K
SBA financing: ≈ $157K–$261K
Est. revenue (rough)

Agent summary

This page summarizes the public SBA 7(a) lending record for JAMES CHRISTOPHER SMITH in Laurel, MS (Gasoline Stations with Convenience Stores). 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 $70K
On record FY2022
3 jobs supported
Industry: Gasoline Stations with Convenience Stores
Location: Laurel, MS
Lender: Covington County Bank

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Gasoline Stations with Convenience Stores businesses in MS for ~$70k 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/james-christopher-smith-ms
API:: https://www.capbench.com/api/public/businesses/james-christopher-smith-ms
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.

Is JAMES CHRISTOPHER SMITH your business?

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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 JAMES CHRISTOPHER SMITH.

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