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HomeSmiles

HomeSmiles

The total investment to open a HomeSmiles franchise ranges from $178,000 to $226,000. The initial franchise fee is $59,500. Ongoing royalties are 6% plus a 1% advertising fee.

What is the HomeSmiles franchise?

HomeSmiles is a property maintenance business for residential and commercial property owners. The 2024 Franchise Disclosure Document gives an estimated total initial investment of $178,000 to $226,000 and an initial franchise fee of $59,500.

The ongoing fees are a 6 percent royalty and a 1 percent advertising or brand fund fee. The net worth requirement is $150,000. HomeSmiles was founded in 2015.

Loan Activity Score

66/100

SBA Default Rate

0.0%

Active Lenders

4

According to its Franchise Disclosure Document or public business records, HomeSmiles has 27 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 28 loans to franchisees of HomeSmiles. PeerSense calculates HomeSmiles's score as 66 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.

2024 FDD ON FILEOther Personal and Household Goods Repair and Maintenance

Franchising since 2015 · 27 locations

Investment

$178,000 to $226,000

Franchise Fee

$59,500

Total Units

27

27 franchised

Loan Activity Score
High
66
SBA Lending
25
Lender Quality
9
Transparency
8
Reach
7
Momentum
17

Proprietary PeerSense metric

Strong
Capital Sources
4SBA lenders

Distinct lenders in public SBA records for HomeSmiles

28

Total SBA loans

$179K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for HomeSmiles

Loan Activity Score Breakdown

Established (25 to 99 loans)

High Confidence
66out of 100
Strong
Market Momentum17/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence9/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency8/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint7/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

0.0%

vs 10.8% peer avg

SBA Loans

28

Total Volume

$5.0M

Active Lenders

4

1 selective

States

14

vs. SBA Sector Average

+10.8%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (0.0%)
Item 19 financial data disclosed

Franchise Financing Resources

SBA Loan Calculator| Franchise Funding Options| SBA Loans| Business Acquisition Financing| Equipment Financing| Bridge Loans| Compare 899 SBA Lenders| Free Deal Scan| How to Read an FDD

Data Insights

Key performance metrics for HomeSmiles based on SBA lending data

SBA Default Rate

0.0%

10.8% below peer avg

SBA Loan Volume

28 loans

Across 4 lenders

Lender Diversity

4 lenders

Avg 7.0 loans per lender

Investment Tier

Mid range investment

$178,000 to $226,000 total

Payment Estimator

Loan Amount$142K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,843

Principal & Interest only

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Locations

HomeSmiles, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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2 FDDs Available for HomeSmiles

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

HomeSmiles

Page Review

Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense

  • PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
  • Edward L. Freeman founded PeerSense in January 2020.
  • He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
  • His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
  • In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page

Last reviewed LinkedIn profileAbout Edward Freeman

This is not a franchise offering and does not constitute financial, investment, or legal advice. Data is sourced from Franchise Disclosure Documents (FDDs), public filings, and third party sources and may contain inaccuracies. The figures reflect the FDD on file for the year shown and may have been superseded or extracted with errors. PeerSense is not a financial advisor, attorney, or accountant. Always consult the brand's current FDD and seek professional guidance from a qualified attorney, accountant, or financial advisor before making any franchise investment decision. See full Terms & Conditions.