Aaron's Sales & Lease Ownershi vs Premier Rental Purchase
Aaron's Sales & Lease Ownershi vs Premier Rental Purchase: Aaron's Sales & Lease Ownershi costs $200K to $709K to open; Premier Rental Purchase costs $25K to $545K. Aaron's Sales & Lease Ownershi has 19 units, Premier Rental Purchase has 52. SBA loan history: Aaron's Sales & Lease Ownershi = 16 loans (0.0% default); Premier Rental Purchase = 59 loans (42.4% 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 Premier Rental Purchase: 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
Premier Rental Purchase requires the lower minimum capital commitment ($25K vs $200K for Aaron's Sales & Lease Ownershi), a 700% spread. Initial franchise fees come in at $15K for Aaron's Sales & Lease Ownershi versus $16K for Premier Rental Purchase, Aaron's Sales & Lease Ownershi has the lower entry fee. Ongoing royalty load is 6% for Aaron's Sales & Lease Ownershi and 3% for Premier Rental Purchase, giving Premier Rental Purchase the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Premier Rental Purchase operates 52 units to Aaron's Sales & Lease Ownershi's 19, roughly 3× the system size. Aaron's Sales & Lease Ownershi has been operating 44 years (founded 1982) versus 21 for Premier Rental Purchase (founded 2005), a 23-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Premier Rental Purchase has the deeper SBA lending track record, with 59 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); Premier Rental Purchase's peak was 2007 (24 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. Premier Rental Purchase leads in FL, with 7. 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 $355K for Premier Rental Purchase, 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 42.4% for Premier Rental Purchase, Aaron's Sales & Lease Ownershi has the cleaner SBA loss record by 42.4 points. PeerSense FPI scores come in at 44 (Fair) for Aaron's Sales & Lease Ownershi and 21 (Fair) for Premier Rental Purchase, giving Aaron's Sales & Lease Ownershi the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 21/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 16 | 59 |
SBA Volume | – | – |
Default Rate | 0.0% | 42.4% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $200K to $709K | $25K to $545K |
Franchise Fee | $15K | $16K |
Royalty Rate | 6% | 3% |
Ad Fund | 2.5% | 5% |
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 | 52 |
Franchised Units | 19 | 52 |
Company Owned | – | – |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 1982 | 2005 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LODI, CA | NORTH MIAMI, FL |
Category | Consumer Electronics | Consumer Electronics |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Aaron's Sales & Lease Ownershi or Premier Rental Purchase?
Lower upfront capital required
Tie
Aaron's Sales & Lease Ownershi: $200K starting · Premier Rental Purchase: $25K starting
More SBA lender confidence
Premier Rental Purchase
Aaron's Sales & Lease Ownershi: 16 SBA loans · Premier Rental Purchase: 59 SBA loans
Lower SBA default rate
Aaron's Sales & Lease Ownershi
Aaron's Sales & Lease Ownershi: 0.0% · Premier Rental Purchase: 42.4%
Larger system & brand presence
Tie
Aaron's Sales & Lease Ownershi: 19 units · Premier Rental Purchase: 52 units
Lower ongoing royalty load
Premier Rental Purchase
Aaron's Sales & Lease Ownershi: 6% · Premier Rental Purchase: 3%
More lender financing options
Premier Rental Purchase
Aaron's Sales & Lease Ownershi: 12 unique lenders · Premier Rental Purchase: 23 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.
Need Funding for Aaron's Sales & Lease Ownershi or Premier Rental Purchase?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Aaron's Sales & Lease Ownershi vs Premier Rental Purchase: Franchise Funding Comparison
Comparing Aaron's Sales & Lease Ownershi and Premier Rental Purchase is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $709K.
Aaron's Sales & Lease Ownershi has 16 SBA loans on record and Premier Rental Purchase has 59. 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 Premier Rental Purchase, Frequently Asked Questions
Which is a better franchise investment, Aaron's Sales & Lease Ownershi or Premier Rental Purchase?
How much does a Aaron's Sales & Lease Ownershi franchise cost compared to Premier Rental Purchase?
Can I finance Aaron's Sales & Lease Ownershi or Premier Rental Purchase with an SBA loan?
Which has a lower SBA default rate, Aaron's Sales & Lease Ownershi or Premier Rental Purchase?
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.
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