101 Mobility vs Hayes
101 Mobility vs Hayes: 101 Mobility costs $182K to $362K to open; Hayes costs $14K to $380K. 101 Mobility has 194 units, Hayes has 8. SBA loan history: 101 Mobility = 25 loans (4.0% default); Hayes = 9 loans (0.0% 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.
101 Mobility vs Hayes: 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
Hayes requires the lower minimum capital commitment ($14K vs $182K for 101 Mobility), a 1199% spread.
System Scale & Tenure
On scale, 101 Mobility operates 194 units to Hayes's 8, roughly 24× the system size.
SBA Lending Profile
101 Mobility has the deeper SBA lending track record, with 25 7(a) approvals compared with 9 for Hayes. 101 Mobility's peak SBA year was 2018 (6 loans); Hayes's peak was 2002 (4 loans). 101 Mobility's more recent peak generally indicates fresher lender appetite. 101 Mobility has the most SBA funded units in MA, with 3. Hayes leads in OH, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded 101 Mobility deals is $184K vs $167K for Hayes, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.0% for 101 Mobility and 0.0% for Hayes, Hayes has the cleaner SBA loss record by 4.0 points. PeerSense FPI scores come in at 61 (Moderate) for 101 Mobility and 44 (Fair) for Hayes, giving 101 Mobility the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 44/100 |
Health Tier | Moderate | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 25 | 9 |
SBA Volume | – | – |
Default Rate | 4.0% | 0.0% |
Peer Tier | established | emerging |
Investment & Costs
Total Investment | $182K to $362K | $14K to $380K |
Franchise Fee | $74K | N/A |
Royalty Rate | 7% | N/A |
Ad Fund | 2% | N/A |
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 | 194 | 8 |
Franchised Units | 178 | 8 |
Company Owned | 16 | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2008 | N/A |
Franchising Since | 2010 | N/A |
Years Franchising | 16 yrs | N/A |
Headquarters | TX | NJ |
Category | Surgical Appliance | Surgical Appliance |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, 101 Mobility or Hayes?
Lower upfront capital required
Tie
101 Mobility: $182K starting · Hayes: $14K starting
More SBA lender confidence
101 Mobility
101 Mobility: 25 SBA loans · Hayes: 9 SBA loans
Lower SBA default rate
Hayes
101 Mobility: 4.0% · Hayes: 0.0%
Larger system & brand presence
Tie
101 Mobility: 194 units · Hayes: 8 units
More lender financing options
101 Mobility
101 Mobility: 18 unique lenders · Hayes: 7 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.
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About These Franchises
101 Mobility vs Hayes: Franchise Funding Comparison
Comparing 101 Mobility and Hayes is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $14K to $380K.
101 Mobility has 25 SBA loans on record and Hayes has 9. 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.
101 Mobility vs Hayes, Frequently Asked Questions
Which is a better franchise investment, 101 Mobility or Hayes?
How much does a 101 Mobility franchise cost compared to Hayes?
Can I finance 101 Mobility or Hayes with an SBA loan?
Which has a lower SBA default rate, 101 Mobility or Hayes?
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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; 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 LinkedIn profileAbout Edward Freeman