SMS Financial, LLC
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by SMS Financial, LLC · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|
Geographic Distribution
SBA lending activity for SMS Financial, LLC by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1 | $200K | 50.0% |
| Indiana (IN) | 1 | $30K | 50.0% |
Why Choose SMS Financial, LLC?
Based on SBA 7(a) lending track record from 1991-2007
- ✓Proven Track Record: 2 SBA loans approved, totaling $230K in financing
- ✓Industry Expertise: Specialized focus on
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 69 months
- ✓Loan Range: Loan sizes from $30K to $200K, with an average of $115K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, IN
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about SMS Financial, LLC SBA lending
What types of businesses does SMS Financial, LLC typically finance?
SMS Financial, LLC specializes in SBA 7(a) lending to specific industries including . They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are SMS Financial, LLC's typical SBA loan terms?
SMS Financial, LLC's SBA 7(a) loans typically feature an average interest rate of — and average term length of 69 months (approximately 6 years). Loan sizes range from $30K to $200K, with an average loan size of $115K.
Do I need a business valuation for a SMS Financial, LLC SBA loan?
Yes, SMS Financial, LLC typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does SMS Financial, LLC compare to other SBA lenders?
SMS Financial, LLC has originated 2 SBA loans totaling $230K since 1991. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does SMS Financial, LLC lend in?
SMS Financial, LLC provides SBA 7(a) financing with particularly strong presence in TX, IN. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
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