Home & Trade Services · lender intelligence
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.
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.
- 1.575 loans · $220M · De Graff, OHFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.112 loans · $112M · Irving, TXFull record →
- 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
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 43 days
- Approved
- 11/18/2025
- First disbursed
- 12/31/2025
- 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 →
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- Goodrich Property Services, LLC in Westbrook, ME — $300K (2026) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Services to Buildings and Dwellings
Funded by VelocitySBA, LLC · Lender record →
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- Jaenchen Enterprises, LLC dba Jaenchen Enterprises, LLC DBA, HomeSmiles Northern in Carson City, NV — $250K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 37 days
- Approved
- 12/9/2025
- First disbursed
- 1/15/2026
- 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 →
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- SPS HOLDINGS LLC in Salem, OR — $250K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 33 days
- Approved
- 12/18/2025
- First disbursed
- 1/20/2026
- 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 →
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- 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 →
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- 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 →
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- MBT ENTERPRISES LLC dba HOMESMILES NKY; dba HOMESMILES NORTHERN KENTUCKY in Florence, KY — $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
- 26 days
- Approved
- 7/24/2025
- First disbursed
- 8/19/2025
- 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 →
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- 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 →
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- 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 →
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- Vigorelli Sorrisi di Casa, Inc. dba HOMESMILES-BAKERSFIELD in Bakersfield, CA — $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
- 21 days
- Approved
- 10/10/2024
- First disbursed
- 10/31/2024
- 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 →
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- 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 →
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- 3:23 Premier Home Solutions LLC dba Homesmiles Alpharetta in Alpharetta, GA — $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
- 49 days
- Approved
- 11/27/2024
- First disbursed
- 1/15/2025
- Loan status
- In workout — SBA bought the guarantee
- 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
- Jewell Enterprises, LLC in Starkville, MS — $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%)
- Approved
- 1/23/2025
- Loan status
- Cancelled
- 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 →
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- CAG Hilliard Inc. in Hilliard, OH — $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
- 101 days
- Approved
- 2/3/2025
- First disbursed
- 5/15/2025
- 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 →
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- 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 →
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- 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 →
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- 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 →
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- RLB Property Enterprises LLC dba HomeSmiles North Raleigh in Rolesville, NC — $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
- 15 days
- Approved
- 6/11/2024
- First disbursed
- 6/26/2024
- 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 →
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- Innovex, Inc. dba HomeSmiles Denver in Land O Lakes, CO — $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
- 12 days
- Approved
- 12/31/2023
- First disbursed
- 1/12/2024
- Loan status
- Paid in full (10/31/2025)
- 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 Personal and Household Goods Repair and Maintenance
Funded by United Midwest Savings Bank National Association · 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
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.
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DealRoom 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. DealRoom 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 DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources: