Home & Trade Services · lender intelligence

How to finance a HomeSmiles in Florida

State:

The SBA 7(a) lenders funding the most HomeSmiles deals in Florida, from public loan records — typical HomeSmiles loan about $150K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance HomeSmiles in Florida

$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

48 days

Typical time to fund

Lenders competing

more = leverage

10.17%

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 in Florida

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

1.575 loans · $220M · De Graff, OHFull record →

3+ funded HomeSmiles in Florida 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.

JAMMA ENTERPRISES LLC in Polk City, FL — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
48 days
Approved
1/7/2026
First disbursed
2/24/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
DEGS INVESTMENTS, L.L.C. dba HOMESMILES MIAMI in Doral, FL — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
49 days
Approved
9/18/2025
First disbursed
11/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
HomeSmiles Orlando in Maitland, FL — $150K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
20 days
Approved
1/17/2023
First disbursed
2/6/2023
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal

Buying a HomeSmiles in Florida? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a HomeSmiles purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. United Midwest Savings Bank National Association funds the most here. CapBench is not a lender.

$150K typical HomeSmiles loan
2 lenders active in Florida
3+ funded Florida deals
48 days typical to fund

Buyers buying a HomeSmiles in Florida typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All HomeSmiles lenders

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/florida
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.