Which has more SBA loans, 1-800-GOT-JUNK? or The Junkluggers?

1-800-GOT-JUNK? has 28 SBA 7(a) historical approvals; The Junkluggers has 63. The Junkluggers has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for 1-800-GOT-JUNK? vs The Junkluggers SBA loans?

1-800-GOT-JUNK?'s SBA default rate is 7.1%, versus 7.9% for The Junkluggers. 1-800-GOT-JUNK? has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did 1-800-GOT-JUNK? and The Junkluggers peak in SBA lending volume?

1-800-GOT-JUNK?'s SBA approval peak was 2021 with 6 loans; The Junkluggers's peak was 2021 with 23. A more recent peak (currently The Junkluggers) generally indicates fresher lender appetite and easier financing today.

Side by Side Comparison

1-800-GOT-JUNK? vs The Junkluggers

Q: Which is a better franchise investment, 1-800-GOT-JUNK? or The Junkluggers?

1-800-GOT-JUNK? vs The Junkluggers: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a 1-800-GOT-JUNK? franchise cost compared to The Junkluggers?

1-800-GOT-JUNK? requires a total initial investment of $184K to $294K while The Junkluggers requires $48K to $380K. The Junkluggers has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Q: Which states have the most 1-800-GOT-JUNK? and The Junkluggers SBA loans?

Both 1-800-GOT-JUNK? and The Junkluggers concentrate the largest share of SBA-funded units in CA. Borrowers in that state will find the deepest lender familiarity with either brand and the warmest lender introductions.

Quick Answer

1-800-GOT-JUNK? vs The Junkluggers: 1-800-GOT-JUNK? costs $184K to $294K to open; The Junkluggers costs $48K to $380K. 1-800-GOT-JUNK? has 146 units, The Junkluggers has 45. SBA loan history: 1-800-GOT-JUNK? = 28 loans (7.1% default); The Junkluggers = 63 loans (7.9% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.

1-800-GOT-JUNK? vs The Junkluggers: Capital, Scale & Lending Analysis

Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.

Capital Intensity

The Junkluggers requires the lower minimum capital commitment ($48K vs $184K for 1-800-GOT-JUNK?), a 281% spread. Initial franchise fees come in at $65K for 1-800-GOT-JUNK? versus $44K for The Junkluggers, The Junkluggers has the lower entry fee. Ongoing royalty load is 8% for 1-800-GOT-JUNK? and 7% for The Junkluggers, giving The Junkluggers the lighter per-unit drag on operating income.

System Scale & Tenure

On scale, 1-800-GOT-JUNK? operates 146 units to The Junkluggers's 45, roughly 3× the system size. 1-800-GOT-JUNK? has been operating 27 years (founded 1999) versus 22 for The Junkluggers (founded 2004), a 5-year tenure gap that affects unit-economics maturity and FDD revision history.

SBA Lending Profile

The Junkluggers has the deeper SBA lending track record, with 63 7(a) approvals compared with 28 for 1-800-GOT-JUNK?. 1-800-GOT-JUNK?'s peak SBA year was 2021 (6 loans); The Junkluggers's peak was 2021 (23 loans). The Junkluggers's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in CA. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded 1-800-GOT-JUNK? deals is $536K vs $187K for The Junkluggers, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 7.1% for 1-800-GOT-JUNK? and 7.9% for The Junkluggers, 1-800-GOT-JUNK? has the cleaner SBA loss record by 0.8 points. PeerSense FPI scores come in at 46 (Fair) for 1-800-GOT-JUNK? and 53 (Moderate) for The Junkluggers, giving The Junkluggers the stronger composite signal across SBA performance, lender appetite, and operational consistency.

1-800-GOT-JUNK?

Other Waste Collection

The Junkluggers

Other Waste Collection

53 7W

Health & Performance

FPI Score	46/100	53/100
Health Tier	Fair	Moderate
Confidence	N/A	N/A
Lending Trend	Declining	Declining

SBA Lending

SBA Loans	28	63
SBA Volume	–	–
Default Rate	7.1%	7.9%
Peer Tier	established	established

Investment & Costs

Total Investment	$184K to $294K	$48K to $380K
Franchise Fee	$65K	$44K
Royalty Rate	8%	7%
Ad Fund	8%	2%
Liquid Capital	N/A	N/A
Net Worth Required	N/A	N/A

Financial Performance (Item 19)

Item 19 Status

Disclosed

Not Disclosed

System Size & Operations

Total Units	146	45
Franchised Units	104	45
Company Owned	42	–
Term Length	5 yrs	10 yrs

Brand Information

Year Founded	1999	2004
Franchising Since	1999	N/A
Years Franchising	27 yrs	N/A
Headquarters	El Cajon, CA	MORAGA, CA
Category	Other Waste Collection	Other Waste Collection
Website	1800gotjunk.com/us_en/franchise-opportunities	junkluggersfranchise.com
FDD Year	2026	2024

Which Is Better, 1-800-GOT-JUNK? or The Junkluggers?

Lower upfront capital required

The Junkluggers

1-800-GOT-JUNK?: $184K starting · The Junkluggers: $48K starting

More SBA lender confidence

The Junkluggers

1-800-GOT-JUNK?: 28 SBA loans · The Junkluggers: 63 SBA loans

Lower SBA default rate

1-800-GOT-JUNK?

1-800-GOT-JUNK?: 7.1% · The Junkluggers: 7.9%

Larger system & brand presence

1-800-GOT-JUNK?

1-800-GOT-JUNK?: 146 units · The Junkluggers: 45 units

Lower ongoing royalty load

The Junkluggers

1-800-GOT-JUNK?: 8% · The Junkluggers: 7%

More lender financing options

Tie

1-800-GOT-JUNK?: 21 unique lenders · The Junkluggers: 21 unique lenders

Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.

Franchise Financing

Need Funding for 1-800-GOT-JUNK? or The Junkluggers?

PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.

500+

SBA Lenders & Capital Sources

Retainers or Consulting Fees

SBA 7(a)

10% Down Franchise Loans

Find My Loan Program Estimate Monthly Payment

About These Franchises

1-800-GOT-JUNK?

No description available.

Full Profile

The Junkluggers

No description available.

Full Profile

1-800-GOT-JUNK? vs The Junkluggers: Franchise Funding Comparison

Comparing 1-800-GOT-JUNK? and The Junkluggers is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $48K to $380K.

1-800-GOT-JUNK? has 28 SBA loans on record and The Junkluggers has 63. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.

SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.

Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

1-800-GOT-JUNK? vs The Junkluggers, Frequently Asked Questions

Which is a better franchise investment, 1-800-GOT-JUNK? or The Junkluggers?

Compare 1-800-GOT-JUNK? vs The Junkluggers franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a 1-800-GOT-JUNK? franchise cost compared to The Junkluggers?

1-800-GOT-JUNK? requires $184K to $294K in total initial investment with a $65K franchise fee. The Junkluggers requires $48K to $380K with a $44K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance 1-800-GOT-JUNK? or The Junkluggers with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: 1-800-GOT-JUNK? has 28 SBA loans on record; The Junkluggers has 63. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, 1-800-GOT-JUNK? or The Junkluggers?

1-800-GOT-JUNK?: 7.1% SBA default rate. The Junkluggers: 7.9% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare 1-800-GOT-JUNK? to other franchises Compare The Junkluggers to other franchises Browse all Other Waste Collection franchises

Talk to PeerSense

Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.

Franchise / SBA 7(a): The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

Referral fee realized at closing · Or call (317) 452 6990

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; it does not lend, fund, or approve loans, and 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 October 2, 2026LinkedIn profile About Edward Freeman