SBA lending record

S&M-E&J Services, Inc.

1078 Rock Road Lane, East Dundee, IL 60118 · Cemeteries and Crematories. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$144K

Total SBA financing

Loan on record

FY2021

On record

Jobs supported

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

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The loan

$144,000 — FY2021

Gross approval: $144,000
SBA guaranteed: $129,600 (90%)
Status: Paid in full
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: 7a General
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/12/2021
First disbursement: 2/24/2021
Days to fund: 12 days
Paid in full: 7/31/2021
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 10
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Cemeteries and Crematories
NAICS code: 812220
Lender: CenTrust Bank, A Division of SmartBiz Bank National Association
Address: 1078 Rock Road Lane
City: East Dundee, 60118
County: Kane
SBA district office: ILLINOIS DISTRICT OFFICE
Congressional district: 6

The lender

CenTrust Bank, A Division of SmartBiz Bank National Association

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 cemeteries and crematories — by location, industry.

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Similar businesses

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

Journey Cremations, LLC

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SBA financing: ≈ $196K–$327K
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SBA financing: ≈ $969K–$1.6M
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WILSONS CREMATORIUM LLC

Saulk Village, IL· ~54 mi

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$80K
SBA financing: ≈ $157K–$261K
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Clinton County Incineration LLC

Saint Johns, MI· ~195 mi

Cemeteries and Crematories

$100K
SBA financing: ≈ $196K–$327K
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Heaven's Pets Cremation, LLC

Westfield, IN· ~180 mi

Cemeteries and Crematories

$200K
SBA financing: ≈ $392K–$654K
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Full Circle, Inc.

Churubusco, IN· ~162 mi

Cemeteries and Crematories

$281K
SBA financing: ≈ $552K–$919K
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Agent summary

This page summarizes the public SBA 7(a) lending record for S&M-E&J Services, Inc. in East Dundee, IL (Cemeteries and Crematories). 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 $144K
On record FY2021
10 jobs supported
Industry: Cemeteries and Crematories
Location: East Dundee, IL
Lender: CenTrust Bank, A Division of SmartBiz Bank National Association

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Cemeteries and Crematories businesses in IL for ~$144k 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/s-m-e-j-services-inc-il
API:: https://www.capbench.com/api/public/businesses/s-m-e-j-services-inc-il
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 S&M-E&J Services, Inc..