How much do lenders finance for a HomeSmart International franchise?

The median SBA loan approved for a HomeSmart International franchise is $463,200, with the middle 80% of loans between $214,000 and $930,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance HomeSmart International franchises?

By dollars approved, the most active SBA lenders for HomeSmart International have been Exchange Bank, City National Bank, TD Bank, New England Certified Development Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are HomeSmart International SBA loans?

The median term is 25 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a HomeSmart International franchise

SBA lenders have approved 17 loans against the HomeSmart International brand since FY2010, totalling $9.1M. The median approval was $463,200. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1075

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$463,200

Typical range

$214K-$930K

Middle 80% of loans

Median term

25 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed HomeSmart International

Lender	Loans	Approved
Exchange Bank	3	$2.1M
City National Bank	1	$1.7M
TD Bank	2	$1.7M
New England Certified Development Corporation	1	$784K
Enterprise Bank & Trust	2	$747K
U.S. Bank	2	$710K
First Horizon Bank	1	$471K
Wells Fargo Bank	2	$461K

Geography

Where HomeSmart International units were financed

State	Loans	Share
Arizona	7
California	4
New Jersey	2
Rhode Island	1
Illinois	1
Florida	1
Georgia	1

Approvals by fiscal year

’15

’17

’18

’19

’20

’21

’22

’23

’24

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
6%
$150K - $350K
35%
$350K - $1M
47%
$1M - $2M
12%

Financing a HomeSmart International: common questions

How much do lenders finance for a HomeSmart International franchise?: The median SBA loan approved for a HomeSmart International franchise is $463,200, with the middle 80% of loans between $214,000 and $930,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance HomeSmart International franchises?: By dollars approved, the most active SBA lenders for HomeSmart International have been Exchange Bank, City National Bank, TD Bank, New England Certified Development Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are HomeSmart International SBA loans?: The median term is 25 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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