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How to finance a HomeSmiles

The SBA 7(a) lenders funding the most HomeSmiles deals, ranked from public loan records — typical HomeSmiles loan about $150K, 0% failure rate across 31 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance HomeSmiles

$150K

Typical loan

range $150K–$250K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

5

Lenders competing

more = leverage

10.4%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with HomeSmiles

Ranked by funded HomeSmiles loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.575 loans · $220M · De Graff, OHFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.112 loans · $112M · Irving, TXFull record →
  4. 4.149 loans · $135M · Mukwonago, WIFull record →

31+ funded HomeSmiles deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

  • 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
  • Viscusi LLC dba HomeSmiles Denton in Flower Mound, TX — $150K (2025) · United Midwest Savings Bank National Association
  • 3:23 Premier Home Solutions LLC dba Homesmiles Alpharetta in Alpharetta, GA — $150K (2025) · United Midwest Savings Bank National Association
  • Jewell Enterprises, LLC in Starkville, MS — $150K (2025) · United Midwest Savings Bank National Association
  • CAG Hilliard Inc. in Hilliard, OH — $150K (2025) · United Midwest Savings Bank National Association
  • 4T Maintenance Service, LLC dba HomeSmiles Fort Worth in Weatherford, TX — $150K (2025) · United Midwest Savings Bank National Association
  • Elliny, Inc. in Leander, TX — $366K (2024) · The Huntington National Bank
  • Real West Invest LLC in Lubbock, TX — $274K (2024) · Citizens Bank
  • RLB Property Enterprises LLC dba HomeSmiles North Raleigh in Rolesville, NC — $150K (2024) · United Midwest Savings Bank National Association
  • Innovex, Inc. dba HomeSmiles Denver in Land O Lakes, CO — $150K (2024) · United Midwest Savings Bank National Association
  • C&G Family Investments LLC dba Central Texas HomeSmiles in Woodway, TX — $150K (2024) · United Midwest Savings Bank National Association

Buying a HomeSmiles? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to HomeSmiles businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a HomeSmiles purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. United Midwest Savings Bank National Association funds the most. CapBench is not a lender.

  • $150K typical HomeSmiles loan
  • 0% failure rate (FY20–23)
  • 5 lenders fund the brand
  • 21 days typical to fund

Buyers researching a HomeSmiles typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this dealTalk to a loan brokerHomeSmiles record
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/lenders/franchise/homesmiles
API:
https://www.capbench.com/api/public/lenders?franchise=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.
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