# SmartFinancial

SmartFinancial is an Asset Manager based in Knoxville, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Knoxville, United States
- **Region:** North America
- **Address:** Knoxville, TN, United States
- **Founded:** 2007
- **Assets under management:** Undisclosed
- **Website:** smartfinancialinc.com
- **LinkedIn:** https://www.linkedin.com/company/smartfinancial-com

## Regulatory record

- **Reports private funds:** No

## About

SmartFinancial is a company operating in the insurance technology sector. It offers a platform for comparing insurance quotes across various lines, including auto, home, health, life, commercial, renters, and Medicare. Founded in 2012 as Contactability, SmartFinancial is based in Costa Mesa, California.

## Sectors

- Financial Services

## People

- Billy Carroll — President & CEO

## Questions

### Who runs investment decisions at SmartFinancial?

President and CEO Billy Carroll leads SmartFinancial's strategic direction, including the acquisition decisions that drive growth. The firm's lending decisions are managed by experienced teams across its commercial, real estate, and consumer banking divisions. Final credit approval authority rests with experienced officers and a board-level committee.

### What is SmartFinancial's known posture on M&A going forward?

SmartFinancial has consistently signaled an appetite for additional acquisitions in the Southeast, funded through retained earnings, stock, and prudent leverage. In public filings and earnings calls, management has indicated that the pipeline remains active, particularly for targets in Tennessee, Alabama, and the Florida Panhandle.

### What non-bank businesses does SmartFinancial operate?

Beyond traditional banking, SmartFinancial operates a specialty insurance premium finance division and a commercial equipment finance group, the latter expanded through the Fountain Leasing acquisition in 2021. These fee-based businesses diversify revenue beyond the net interest margin.

## Related profiles

- [Smart Stewardship Advisors](https://altss.com/profile/smart-stewardship-advisors)
- [SmartForest Ventures](https://altss.com/profile/smartforest-ventures)

---

Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/smartfinancial

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology