Aaron's Sales & Lease Ownershi vs Color Tyme
Aaron's Sales & Lease Ownershi vs Color Tyme: Aaron's Sales & Lease Ownershi costs $200K to $709K to open; Color Tyme costs $42K to $563K. Aaron's Sales & Lease Ownershi has 19 units, Color Tyme has 19. SBA loan history: Aaron's Sales & Lease Ownershi = 16 loans (0.0% default); Color Tyme = 27 loans (14.8% 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 Color Tyme: 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
Color Tyme requires the lower minimum capital commitment ($42K vs $200K for Aaron's Sales & Lease Ownershi), a 376% spread.
System Scale & Tenure
On scale, Color Tyme operates 19 units to Aaron's Sales & Lease Ownershi's 19.
SBA Lending Profile
Color Tyme has the deeper SBA lending track record, with 27 7(a) approvals compared with 16 for Aaron's Sales & Lease Ownershi. Aaron's Sales & Lease Ownershi's peak SBA year was 2011 (5 loans); Color Tyme's peak was 1995 (6 loans). Aaron's Sales & Lease Ownershi's more recent peak generally indicates fresher lender appetite. Aaron's Sales & Lease Ownershi has the most SBA funded units in CA, with 7. Color Tyme leads in TX, 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 Aaron's Sales & Lease Ownershi deals is $465K vs $343K for Color Tyme, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Aaron's Sales & Lease Ownershi and 14.8% for Color Tyme, Aaron's Sales & Lease Ownershi has the cleaner SBA loss record by 14.8 points. PeerSense FPI scores come in at 44 (Fair) for Aaron's Sales & Lease Ownershi and 29 (Fair) for Color Tyme, giving Aaron's Sales & Lease Ownershi the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 29/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 16 | 27 |
SBA Volume | – | – |
Default Rate | 0.0% | 14.8% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $200K to $709K | $42K to $563K |
Franchise Fee | $15K | N/A |
Royalty Rate | 6% | N/A |
Ad Fund | 2.5% | N/A |
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 | 19 |
Franchised Units | 19 | 19 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1982 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LODI, CA | Manhattan, KS |
Category | Consumer Electronics | Consumer Electronics |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Aaron's Sales & Lease Ownershi or Color Tyme?
Lower upfront capital required
Tie
Aaron's Sales & Lease Ownershi: $200K starting · Color Tyme: $42K starting
More SBA lender confidence
Color Tyme
Aaron's Sales & Lease Ownershi: 16 SBA loans · Color Tyme: 27 SBA loans
Lower SBA default rate
Aaron's Sales & Lease Ownershi
Aaron's Sales & Lease Ownershi: 0.0% · Color Tyme: 14.8%
Larger system & brand presence
Tie
Aaron's Sales & Lease Ownershi: 19 units · Color Tyme: 19 units
More lender financing options
Color Tyme
Aaron's Sales & Lease Ownershi: 12 unique lenders · Color Tyme: 18 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
Aaron's Sales & Lease Ownershi vs Color Tyme: Franchise Funding Comparison
Comparing Aaron's Sales & Lease Ownershi and Color Tyme is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $42K to $709K.
Aaron's Sales & Lease Ownershi has 16 SBA loans on record and Color Tyme has 27. 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 Color Tyme, Frequently Asked Questions
Which is a better franchise investment, Aaron's Sales & Lease Ownershi or Color Tyme?
How much does a Aaron's Sales & Lease Ownershi franchise cost compared to Color Tyme?
Can I finance Aaron's Sales & Lease Ownershi or Color Tyme with an SBA loan?
Which has a lower SBA default rate, Aaron's Sales & Lease Ownershi or Color Tyme?
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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