SBA Loans for HomeSmiles Franchises
Who actually funds HomeSmiles SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022–2026.
Top lenders funding HomeSmiles SBA loans
Ranked by number of HomeSmiles 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 25 | $4.3M | $171K |
| 2 | Newtek Small Business Finance, Inc. | 2 | $500K | $250K |
| 2 | The Huntington National Bank | 2 | $406K | $203K |
| 4 | Citizens Bank | 1 | $274K | $274K |
| 4 | VelocitySBA, LLC | 1 | $300K | $300K |
Source: SBA FOIA 7(a) loan-level data, 2022–2026. Shows lenders with at least one approved HomeSmiles loan in this period, ranked by loan count.
HomeSmiles SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 9 | $1.6M | $181K |
| FL | 3 | $550K | $183K |
| NC | 2 | $475K | $238K |
| OR | 2 | $400K | $200K |
| NV | 2 | $400K | $200K |
| UT | 1 | $350K | $350K |
| OH | 2 | $300K | $150K |
| CA | 2 | $300K | $150K |
| ME | 1 | $300K | $300K |
| MI | 1 | $150K | $150K |
| PA | 1 | $150K | $150K |
| SC | 1 | $150K | $150K |
| CO | 1 | $150K | $150K |
| GA | 1 | $150K | $150K |
| MS | 1 | $150K | $150K |
| KY | 1 | $150K | $150K |
HomeSmiles SBA loans by year
SBA lender notes for HomeSmilesfrom the SBA Franchise Directory
Lender/CDC must ensure they secure the appropriate lien position on all collateral in accordance with SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for HomeSmiles franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in — we match your HomeSmiles deal to a lender currently funding this brand.
Financing a HomeSmiles franchise?
We know which lenders are actively funding HomeSmiles deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).