Allegra vs Embroide Me.com
Allegra vs Embroide Me.com: Allegra costs $162K–$517K to open; Embroide Me.com costs $15K–$216K. Allegra has 51 units, Embroide Me.com has 30. SBA loan history: Allegra = 64 loans (10.9% default); Embroide Me.com = 47 loans (31.9% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Allegra vs Embroide Me.com — Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Embroide Me.com requires the lower minimum capital commitment ($15K vs $162K for Allegra), a 983% spread. Initial franchise fees come in at $45K for Allegra versus $20K for Embroide Me.com — Embroide Me.com has the lower entry fee. Ongoing royalty load is 6% for Allegra and 6% for Embroide Me.com — equal royalty drag.
System Scale & Tenure
On scale, Allegra operates 51 units to Embroide Me.com's 30. Allegra has been operating 50 years (founded 1976) versus 26 for Embroide Me.com (founded 2000) — a 24-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Allegra has the deeper SBA lending track record with 64 historical 7(a) approvals versus 47 for Embroide Me.com. Allegra's peak SBA year was 2017 (12 loans); Embroide Me.com's peak was 2005 (10 loans). Allegra's more recent peak generally indicates fresher lender appetite. Geographically, Allegra concentrates in MI (10 SBA-funded units) while Embroide Me.com leads in TX (8) — pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Allegra deals is $456K vs $96K for Embroide Me.com — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 10.9% for Allegra and 31.9% for Embroide Me.com — Allegra has the cleaner historical loss profile by 21.0 points. PeerSense FPI scores come in at 62 (Moderate) for Allegra and 23 (Fair) for Embroide Me.com, giving Allegra the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 23/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 64 | 47 |
SBA Volume | — | — |
Default Rate | 10.9% | 31.9% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $162K – $517K | $15K – $216K |
Franchise Fee | $45K | $20K |
Royalty Rate | 6% | 6% |
Ad Fund | 1% | 1% |
Liquid Capital | $100K | N/A |
Net Worth Required | $400K | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 51 | 30 |
Franchised Units | 51 | 30 |
Company-Owned | — | — |
Term Length | 20 yrs | 35 yrs |
Brand Information
Year Founded | 1976 | 2000 |
Franchising Since | 1960 | N/A |
Years Franchising | 66 yrs | N/A |
Headquarters | AZ | WATAUGA, TX |
Category | Commercial Screen Printing | Commercial Screen Printing |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better — Allegra or Embroide Me.com?
Lower upfront capital required
Embroide Me.com
Allegra: $162K starting · Embroide Me.com: $15K starting
More SBA lender confidence
Allegra
Allegra: 64 SBA loans · Embroide Me.com: 47 SBA loans
Lower historical default rate
Allegra
Allegra: 10.9% · Embroide Me.com: 31.9%
Larger system & brand presence
Allegra
Allegra: 51 units · Embroide Me.com: 30 units
Lower ongoing royalty load
Tie
Allegra: 6% · Embroide Me.com: 6%
More lender financing options
Allegra
Allegra: 46 unique lenders · Embroide Me.com: 28 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
Allegra vs Embroide Me.com: Franchise Funding Comparison
Comparing Allegra and Embroide Me.com is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $15K to $517K.
Both brands have active SBA lending histories — Allegra with 64 SBA loans and Embroide Me.com with 47. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.