Founded in 1993, SMS Financial is a privately held financial and investment firm that specializes in the acquisition and servicing of commercial and consumer bank loans. We are an opportunistic note buyer across all asset classes including CRE, C&I, faith-based loans, judgments, deficiencies and charge-offs. We take pride in establishing and maintaining long standing relationships with each client.

As a result of our national reputation and successful track record, SMS was selected as Joint Venture Partner of the FDIC in 2012 to maximize recoveries on the defaulted portfolios of failed banks across the country. In addition to the FDIC, SMS partners with numerous national banks on a similar format joint venture. SMS is based in Phoenix, Arizona, and operates on a national scale. With over 30 years of experience and relationships, we move quickly and efficiently to close transactions anywhere in the country. Since inception, SMS has acquired, serviced and originated over $3 billion of commercial credit facilities across all 50 states, Canada and Puerto Rico.