Ebony Smith & Associates, Inc.
Ebony Smith & Associates, Inc. is a professional and management development training business in Miami, Florida, classified under NAICS code 611430. The company was financed with an SBA 7(a) loan for a change of ownership totaling $1,853,000, approved on March 25, 2026, by Truliant FCU.
SBA 7(a) loan, change of ownership, approved Mar 25, 2026
- Gross approval
- $1,853,000
- SBA-guaranteed amount
- $1,389,750 (75% of the approval)
- Lender
- Truliant FCU, Winston-Salem, NC
- Processing method
- Preferred Lender Program: lender approved under delegated SBA authority
- Initial interest rate
- 9.25%, variable
- Term
- 10 years (120 months)
- Estimated maturity
- March 25, 2036 (estimated, approval date plus term)
- Estimated monthly payment
- $23,724 Estimated payment at the initial rate over the full term; actual terms vary.
- First disbursement
- Apr 2, 2026
- Loan status
- Status not reported (SBA exemption)
- Jobs supported
- 9
- Business type
- Corporation
- NAICS
- 611430, Professional and Management Development Training
- Project location
- Miami-Dade County, FL
- SBA district office
- South Florida District Office
- Congressional district
- FL-27
- Collateral
- Yes
- Guaranteed portion sold on secondary market
- Yes
- Revolving line of credit
- No (term loan)
- Larger than 50% of acquisition loans in Professional and Management Development Training on this site.
- Average acquisition loan in Professional and Management Development Training: $2,215,114.
- Average acquisition loan in Florida: $1,808,559.
Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.
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