Alta Mere Window Tinting & Aut vs Naked Furniture
Alta Mere Window Tinting & Aut vs Naked Furniture: Alta Mere Window Tinting & Aut costs $49K to $105K to open; Naked Furniture costs $73K to $242K. Alta Mere Window Tinting & Aut has 48 units, Naked Furniture has 5. SBA loan history: Alta Mere Window Tinting & Aut = 65 loans (33.8% default); Naked Furniture = 8 loans (25.0% 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.
Alta Mere Window Tinting & Aut vs Naked Furniture: 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
Alta Mere Window Tinting & Aut requires the lower minimum capital commitment ($49K vs $73K for Naked Furniture), a 33% spread.
System Scale & Tenure
On scale, Alta Mere Window Tinting & Aut operates 48 units to Naked Furniture's 5, roughly 10× the system size. Naked Furniture has been operating 64 years (founded 1962) versus 41 for Alta Mere Window Tinting & Aut (founded 1985), a 23-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Alta Mere Window Tinting & Aut has the deeper SBA lending track record, with 65 7(a) approvals compared with 8 for Naked Furniture. Alta Mere Window Tinting & Aut's peak SBA year was 1995 (27 loans); Naked Furniture's peak was 2003 (2 loans). Naked Furniture's more recent peak generally indicates fresher lender appetite. Alta Mere Window Tinting & Aut has the most SBA funded units in TX, with 26. Naked Furniture leads in MI, 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 Alta Mere Window Tinting & Aut deals is $82K vs $156K for Naked Furniture, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 33.8% for Alta Mere Window Tinting & Aut and 25.0% for Naked Furniture, Naked Furniture has the cleaner SBA loss record by 8.8 points. PeerSense FPI scores come in at 21 (Fair) for Alta Mere Window Tinting & Aut and 30 (Fair) for Naked Furniture, giving Naked Furniture the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 21/100 | 30/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 65 | 8 |
SBA Volume | – | – |
Default Rate | 33.8% | 25.0% |
Peer Tier | established | emerging |
Investment & Costs
Total Investment | $49K to $105K | $73K to $242K |
Franchise Fee | $54K | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | 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 | 48 | 5 |
Franchised Units | 48 | 5 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1985 | 1962 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | DALLAS, TX | SAGINAW, MI |
Category | Automotive Parts | Automotive Parts |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Alta Mere Window Tinting & Aut or Naked Furniture?
Lower upfront capital required
Tie
Alta Mere Window Tinting & Aut: $49K starting · Naked Furniture: $73K starting
More SBA lender confidence
Alta Mere Window Tinting & Aut
Alta Mere Window Tinting & Aut: 65 SBA loans · Naked Furniture: 8 SBA loans
Lower SBA default rate
Naked Furniture
Alta Mere Window Tinting & Aut: 33.8% · Naked Furniture: 25.0%
Larger system & brand presence
Tie
Alta Mere Window Tinting & Aut: 48 units · Naked Furniture: 5 units
More lender financing options
Alta Mere Window Tinting & Aut
Alta Mere Window Tinting & Aut: 31 unique lenders · Naked Furniture: 4 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
Alta Mere Window Tinting & Aut vs Naked Furniture: Franchise Funding Comparison
Comparing Alta Mere Window Tinting & Aut and Naked Furniture is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $49K to $242K.
Alta Mere Window Tinting & Aut has 65 SBA loans on record and Naked Furniture has 8. 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.
Alta Mere Window Tinting & Aut vs Naked Furniture, Frequently Asked Questions
Which is a better franchise investment, Alta Mere Window Tinting & Aut or Naked Furniture?
How much does a Alta Mere Window Tinting & Aut franchise cost compared to Naked Furniture?
Can I finance Alta Mere Window Tinting & Aut or Naked Furniture with an SBA loan?
Which has a lower SBA default rate, Alta Mere Window Tinting & Aut or Naked Furniture?
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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