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HomeSmiles, by the numbers

HomeSmiles appears in 31 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S6285)

31 deals since 2020 · typical deal $150K · 0% failure rate

31

Deals since 2020

$150K

Typical deal

15

Deals since FY2025

0%

Failure rate (FY20–23)

HomeSmiles buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for HomeSmiles

Most HomeSmiles deals financed between $150K and $250K. Above $250K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,218
Down payment (10%)
$17K
Cash to close (all-in)
$21K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$21K)

Experience

Recent financings

  • Rice & Bean Solutions LLC dba HomeSmiles Durham NC in Chapel Hill, NC — $325K (2026) · United Midwest Savings Bank National Association
  • Goodrich Property Services, LLC in Westbrook, ME — $300K (2026) · VelocitySBA, LLC
  • Jaenchen Enterprises, LLC dba Jaenchen Enterprises, LLC DBA, HomeSmiles Northern in Carson City, NV — $250K (2026) · United Midwest Savings Bank National Association
  • SPS HOLDINGS LLC in Salem, OR — $250K (2026) · United Midwest Savings Bank National Association
  • JAMMA ENTERPRISES LLC in Polk City, FL — $250K (2026) · United Midwest Savings Bank National Association
  • 1775 Consulting & Home Services LLC in San Antonio, TX — $200K (2026) · United Midwest Savings Bank National Association
  • MBT ENTERPRISES LLC dba HOMESMILES NKY; dba HOMESMILES NORTHERN KENTUCKY in Florence, KY — $150K (2025) · United Midwest Savings Bank National Association
  • DEGS INVESTMENTS, L.L.C. dba HOMESMILES MIAMI in Doral, FL — $150K (2025) · United Midwest Savings Bank National Association
  • Smart Home Essentials LLC dba HomeSmiles Pearland in Houston, TX — $150K (2025) · United Midwest Savings Bank National Association
  • Vigorelli Sorrisi di Casa, Inc. dba HOMESMILES-BAKERSFIELD in Bakersfield, CA — $150K (2025) · United Midwest Savings Bank National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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HomeSmiles brand mark

Who funds HomeSmiles — and where

Every dot is a financed HomeSmiles — 31 mapped.

Financed HomeSmiles locations — list all 31 as text

Top lenders for this brand

  1. 1.United Midwest Savings Bank National Association(25)
  2. 2.Newtek Small Business Finance, Inc. (2)
  3. 3.The Huntington National Bank(2)
  4. 4.VelocitySBA, LLC(1)
  5. 5.Citizens Bank(1)

Most active states

  1. 1.Texas (9 loans)HomeSmiles lenders in Texas->
  2. 2.Florida (3 loans)HomeSmiles lenders in Florida->
  3. 3.North Carolina (2 loans)HomeSmiles lenders in North Carolina->
  4. 4.Nevada (2 loans)HomeSmiles lenders in Nevada->
  5. 5.Oregon (2 loans)HomeSmiles lenders in Oregon->
  6. 6.Ohio (2 loans)HomeSmiles lenders in Ohio->
  7. 7.California (2 loans)HomeSmiles lenders in California->
  8. 8.Kentucky (1 loans)HomeSmiles lenders in Kentucky->

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Common questions

How much does a HomeSmiles cost to buy or open?

The typical deal for HomeSmiles is $150K across 31 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

How risky is HomeSmiles?

0% of HomeSmiles's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a HomeSmiles with an SBA loan?

Yes — HomeSmiles has been SBA-financed 15 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a HomeSmiles franchise

Most HomeSmiles buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical HomeSmiles deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. HomeSmiles is listed in the SBA Franchise Directory (identifier S6285), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund HomeSmiles — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for HomeSmiles — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for HomeSmiles — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. HomeSmiles is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 31 SBA 7(a) deals since 2020
  • $150K typical deal
  • 15 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S6285)
  • Top lenders: United Midwest Savings Bank National Association, Newtek Small Business Finance, Inc., The Huntington National Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/homesmiles
API:
https://www.capbench.com/api/public/franchises/homesmiles
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with HomeSmiles.

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