Aaron's Sales & Lease Ownershi vs Buddy's Home Furnishings
Aaron's Sales & Lease Ownershi vs Buddy's Home Furnishings: Aaron's Sales & Lease Ownershi costs $200K to $709K to open; Buddy's Home Furnishings costs $376K to $798K. Aaron's Sales & Lease Ownershi has 19 units, Buddy's Home Furnishings has 9. SBA loan history: Aaron's Sales & Lease Ownershi = 16 loans (0.0% default); Buddy's Home Furnishings = 12 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.
Aaron's Sales & Lease Ownershi vs Buddy's Home Furnishings: 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
Aaron's Sales & Lease Ownershi requires the lower minimum capital commitment ($200K vs $376K for Buddy's Home Furnishings), a 47% spread. Initial franchise fees come in at $15K for Aaron's Sales & Lease Ownershi versus $40K for Buddy's Home Furnishings, Aaron's Sales & Lease Ownershi has the lower entry fee. Ongoing royalty load is 6% for Aaron's Sales & Lease Ownershi and 6% for Buddy's Home Furnishings, equal royalty drag.
System Scale & Tenure
On scale, Aaron's Sales & Lease Ownershi operates 19 units to Buddy's Home Furnishings's 9, roughly 2× the system size. Buddy's Home Furnishings has been operating 65 years (founded 1961) versus 44 for Aaron's Sales & Lease Ownershi (founded 1982), a 21-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Aaron's Sales & Lease Ownershi has the deeper SBA lending track record, with 16 7(a) approvals compared with 12 for Buddy's Home Furnishings.
Risk Signal
SBA default rates are 0.0% for Aaron's Sales & Lease Ownershi and 0.0% for Buddy's Home Furnishings. PeerSense FPI scores come in at 44 (Fair) for Aaron's Sales & Lease Ownershi and 56 (Moderate) for Buddy's Home Furnishings, giving Buddy's Home Furnishings the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 56/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 16 | 12 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $200K to $709K | $376K to $798K |
Franchise Fee | $15K | $40K |
Royalty Rate | 6% | 6% |
Ad Fund | 2.5% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 19 | 9 |
Franchised Units | 19 | 9 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1982 | 1961 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LODI, CA | Orlando, FL |
Category | Consumer Electronics | Consumer Electronics |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Aaron's Sales & Lease Ownershi or Buddy's Home Furnishings?
Lower upfront capital required
Tie
Aaron's Sales & Lease Ownershi: $200K starting · Buddy's Home Furnishings: $376K starting
More SBA lender confidence
Aaron's Sales & Lease Ownershi
Aaron's Sales & Lease Ownershi: 16 SBA loans · Buddy's Home Furnishings: 12 SBA loans
Lower SBA default rate
Tie
Aaron's Sales & Lease Ownershi: 0.0% · Buddy's Home Furnishings: 0.0%
Larger system & brand presence
Tie
Aaron's Sales & Lease Ownershi: 19 units · Buddy's Home Furnishings: 9 units
Lower ongoing royalty load
Tie
Aaron's Sales & Lease Ownershi: 6% · Buddy's Home Furnishings: 6%
More lender financing options
Aaron's Sales & Lease Ownershi
Aaron's Sales & Lease Ownershi: 12 unique lenders · Buddy's Home Furnishings: 8 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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Aaron's Sales & Lease Ownershi vs Buddy's Home Furnishings: Franchise Funding Comparison
Comparing Aaron's Sales & Lease Ownershi and Buddy's Home Furnishings is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $200K to $798K.
Aaron's Sales & Lease Ownershi has 16 SBA loans on record and Buddy's Home Furnishings has 12. 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.
Aaron's Sales & Lease Ownershi vs Buddy's Home Furnishings, Frequently Asked Questions
Which is a better franchise investment, Aaron's Sales & Lease Ownershi or Buddy's Home Furnishings?
How much does a Aaron's Sales & Lease Ownershi franchise cost compared to Buddy's Home Furnishings?
Can I finance Aaron's Sales & Lease Ownershi or Buddy's Home Furnishings with an SBA loan?
Which has a lower SBA default rate, Aaron's Sales & Lease Ownershi or Buddy's Home Furnishings?
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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