Home & Trade Services · lender intelligence

How to finance a HomeSmiles in Texas

State:

The SBA 7(a) lenders funding the most HomeSmiles deals in Texas, 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 Texas

$150K

Typical loan

range $150K–$200K

$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

17 days

Typical time to fund

Lenders competing

more = leverage

10.78%

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 Texas

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

1.575 loans · $220M · De Graff, OHFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.149 loans · $135M · Mukwonago, WIFull record →

9+ funded HomeSmiles in Texas 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.

1775 Consulting & Home Services LLC in San Antonio, TX — $200K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
11 days
Approved
2/27/2026
First disbursed
3/10/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
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
Smart Home Essentials LLC dba HomeSmiles Pearland in Houston, TX — $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
17 days
Approved
3/25/2025
First disbursed
4/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
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
Viscusi LLC dba HomeSmiles Denton in Flower Mound, TX — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
27 days
Approved
10/29/2024
First disbursed
11/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
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
4T Maintenance Service, LLC dba HomeSmiles Fort Worth in Weatherford, TX — $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
12 days
Approved
3/7/2025
First disbursed
3/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
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
Elliny, Inc. in Leander, TX — $366K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$275K (75%)
Approval → funding
11 days
Approved
4/12/2024
First disbursed
4/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Real West Invest LLC in Lubbock, TX — $274K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
16 days
Approved
8/28/2024
First disbursed
9/13/2024
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 Services to Buildings and Dwellings
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
C&G Family Investments LLC dba Central Texas HomeSmiles in Woodway, TX — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
23 days
Approved
1/30/2024
First disbursed
2/22/2024
Loan status
Current
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 Personal and Household Goods Repair and Maintenance
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Finish Strong FHG LLC in North Richland Hills, TX — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
20 days
Approved
4/9/2024
First disbursed
4/29/2024
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
Elliny, Inc. in Leander, TX — $40K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approved
4/12/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a HomeSmiles in Texas? 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 Texas project address. Mega-bank call-center lenders excluded.

Agent summary

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

$150K typical HomeSmiles loan
3 lenders active in Texas
9+ funded Texas deals
17 days typical to fund

Buyers buying a HomeSmiles in Texas 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/texas
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.