Smog Pros
1 locations
Smog Pros currently operates 1 locations (1 franchised). The top SBA 7(a) lenders for Smog Pros are Popular Bank. PeerSense FPI health score: 38/100.
1
1 franchised
Proprietary PeerSense metric
FairActive capital sources verified for Smog Pros financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
New/Niche (1-2 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 1 loans charged off
SBA Loans
1
Total Volume
$1.0M
Active Lenders
1
States
1
Top SBA Lenders for Smog Pros
What is the Smog Pros franchise?
Smog Pros represents an innovative and essential opportunity within the highly regulated automotive service sector, specializing in the legally mandated emissions testing required for vehicle registration across dozens of states in the United States. Founded in late 2021 by environmental engineer Sarah Jenkins, Smog Pros was conceived from a deep understanding of both vehicle diagnostics and the critical need for robust environmental compliance. Jenkins, a seasoned professional with over 18 years of experience in air quality management and automotive testing protocols, envisioned a streamlined, customer-centric service model that would simplify the often-complex process of emissions compliance for millions of vehicle owners. Headquartered in Phoenix, Arizona, the company’s genesis stemmed from Jenkins’ observation of a fragmented and often inconvenient market for emissions testing, where vehicle owners frequently faced long wait times and inconsistent service quality at general repair shops. This led her to develop a dedicated, specialized emissions testing center concept. The initial Smog Pros franchise location, which officially opened its doors in November 2022 in Mesa, Arizona, serves as the brand’s flagship, embodying its unwavering commitment to efficiency, accuracy, and superior customer experience. Smog Pros aims to demystify the smog check process entirely, offering rapid, reliable, and transparent services that guarantee vehicles meet stringent state emissions regulations without unnecessary hassle or hidden costs. The brand’s overarching mission extends significantly beyond mere compliance; it actively seeks to foster a healthier environment by promoting cleaner vehicle operation and proactively educating communities on the paramount importance of regular emissions maintenance. This laser focus on a critical, non-discretionary service positions the Smog Pros franchise uniquely and powerfully within
FPI Score
38/100
SBA Default Rate
0.0%
Active Lenders
1
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Smog Pros based on SBA lending data
SBA Default Rate
0.0%
0 of 1 loans charged off
SBA Loan Volume
1 loans
Across 1 lenders
Lender Diversity
1 lenders
Avg 1.0 loans per lender
Smog Pros — Deep SBA Data
Brand-specific metrics derived directly from SBA 7(a) approval records — peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1999
1 approvals — best year on record for Smog Pros.
Top SBA State
California
1 SBA-financed Smog Pros locations — the densest operator footprint.
Average Loan Size
$1.0M
Median $1.0M — use as a sizing anchor when modeling your own $Smog Pros unit.
Lender Concentration
100%
Concentrated
Share of Smog Pros approvals captured by the top 3 SBA lenders.
Smog Pros's SBA lending pipeline peaked in 1999 (1 approvals). Operator density is highest in California with 1 SBA-financed locations. Average funded ticket sits at $1.0M, with the median at $1.0M. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Locations
Smog Pros — unit breakdown
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