Ace Handyman Services vs N-Hance
Ace Handyman Services vs N-Hance: Ace Handyman Services costs $71K to $256K to open; N-Hance costs $71K to $192K. Ace Handyman Services has 91 units, N-Hance has 255. SBA loan history: Ace Handyman Services = 99 loans (3.0% default); N-Hance = 26 loans (19.2% 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.
Ace Handyman Services vs N-Hance: 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
N-Hance requires the lower minimum capital commitment ($71K vs $71K for Ace Handyman Services), a 0% spread. Initial franchise fees come in at $70K for Ace Handyman Services versus $45K for N-Hance, N-Hance has the lower entry fee. Ongoing royalty load is 6% for Ace Handyman Services and 2% for N-Hance, giving N-Hance the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, N-Hance operates 255 units to Ace Handyman Services's 91, roughly 3× the system size. Ace Handyman Services has been operating 28 years (founded 1998) versus 25 for N-Hance (founded 2001), a 3-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Ace Handyman Services has the deeper SBA lending track record, with 99 7(a) approvals compared with 26 for N-Hance. Ace Handyman Services's peak SBA year was 2021 (36 loans); N-Hance's peak was 2020 (4 loans). Ace Handyman Services's more recent peak generally indicates fresher lender appetite. Ace Handyman Services has the most SBA funded units in TX, with 12. N-Hance leads in FL, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Ace Handyman Services deals is $155K vs $239K for N-Hance, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 3.0% for Ace Handyman Services and 19.2% for N-Hance, Ace Handyman Services has the cleaner SBA loss record by 16.2 points. PeerSense FPI scores come in at 68 (Strong) for Ace Handyman Services and 53 (Moderate) for N-Hance, giving Ace Handyman Services the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 68/100 | 53/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 99 | 26 |
SBA Volume | – | – |
Default Rate | 3.0% | 19.2% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $71K to $256K | $71K to $192K |
Franchise Fee | $70K | $45K |
Royalty Rate | 6% | 2% |
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 | Disclosed |
System Size & Operations
Total Units | 91 | 255 |
Franchised Units | 91 | 255 |
Company Owned | – | – |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 1998 | 2001 |
Franchising Since | 2001 | 2013 |
Years Franchising | 25 yrs | 13 yrs |
Headquarters | BOCA RATON, FL | Logan, UT |
Category | Residential Remodelers | Residential Remodelers |
Website | ||
FDD Year | 2024 | 2025 |
Which Is Better, Ace Handyman Services or N-Hance?
Lower upfront capital required
N-Hance
Ace Handyman Services: $71K starting · N-Hance: $71K starting
More SBA lender confidence
Ace Handyman Services
Ace Handyman Services: 99 SBA loans · N-Hance: 26 SBA loans
Lower SBA default rate
Ace Handyman Services
Ace Handyman Services: 3.0% · N-Hance: 19.2%
Larger system & brand presence
N-Hance
Ace Handyman Services: 91 units · N-Hance: 255 units
Lower ongoing royalty load
N-Hance
Ace Handyman Services: 6% · N-Hance: 2%
More lender financing options
Ace Handyman Services
Ace Handyman Services: 22 unique lenders · N-Hance: 13 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 Ace Handyman Services or N-Hance?
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
Ace Handyman Services vs N-Hance: Franchise Funding Comparison
Comparing Ace Handyman Services and N-Hance is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $71K to $256K.
Ace Handyman Services has 99 SBA loans on record and N-Hance has 26. 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.
Ace Handyman Services vs N-Hance, Frequently Asked Questions
Which is a better franchise investment, Ace Handyman Services or N-Hance?
How much does a Ace Handyman Services franchise cost compared to N-Hance?
Can I finance Ace Handyman Services or N-Hance with an SBA loan?
Which has a lower SBA default rate, Ace Handyman Services or N-Hance?
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