AmericInn by Wyndham vs Wyndham Garden
AmericInn by Wyndham vs Wyndham Garden: AmericInn by Wyndham costs $7.1M to $10.1M to open; Wyndham Garden costs $5.0M to $25.0M. AmericInn by Wyndham has 40 units, Wyndham Garden has 13. SBA loan history: AmericInn by Wyndham = 44 loans (4.5% default); Wyndham Garden = 13 loans (0.0% 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.
AmericInn by Wyndham vs Wyndham Garden: 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
Wyndham Garden requires the lower minimum capital commitment ($5.0M vs $7.1M for AmericInn by Wyndham), a 42% spread. Initial franchise fees come in at $35K for AmericInn by Wyndham versus $50K for Wyndham Garden, AmericInn by Wyndham has the lower entry fee. Ongoing royalty load is 5% for AmericInn by Wyndham and 5% for Wyndham Garden, equal royalty drag.
System Scale & Tenure
On scale, AmericInn by Wyndham operates 40 units to Wyndham Garden's 13, roughly 3× the system size. Wyndham Garden has been operating 45 years (founded 1981) versus 39 for AmericInn by Wyndham (founded 1987), a 6-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
AmericInn by Wyndham has the deeper SBA lending track record, with 44 7(a) approvals compared with 13 for Wyndham Garden. AmericInn by Wyndham's peak SBA year was 2024 (8 loans); Wyndham Garden's peak was 2022 (6 loans). AmericInn by Wyndham's more recent peak generally indicates fresher lender appetite. AmericInn by Wyndham has the most SBA funded units in MN, with 10. Wyndham Garden leads in VA, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded AmericInn by Wyndham deals is $1.9M vs $3.8M for Wyndham Garden, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.5% for AmericInn by Wyndham and 0.0% for Wyndham Garden, Wyndham Garden has the cleaner SBA loss record by 4.5 points. PeerSense FPI scores come in at 80 (Excellent) for AmericInn by Wyndham and 77 (Strong) for Wyndham Garden, giving AmericInn by Wyndham the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 80/100 | 77/100 |
Health Tier | Excellent | Strong |
Confidence | N/A | N/A |
Lending Trend | Growing | Growing |
SBA Lending
SBA Loans | 44 | 13 |
SBA Volume | – | – |
Default Rate | 4.5% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $7.1M to $10.1M | $5.0M to $25.0M |
Franchise Fee | $35K | $50K |
Royalty Rate | 5% | 5% |
Ad Fund | 2% | 3% |
Liquid Capital | $500K | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 40 | 13 |
Franchised Units | 40 | 13 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1987 | 1981 |
Franchising Since | 1987 | 1990 |
Years Franchising | 39 yrs | 36 yrs |
Headquarters | Parsippany, NJ | Parsippany, NJ |
Category | Hotels & Hospitality | Hotels & Hospitality |
Website | ||
FDD Year | 2024 | 2025 |
Which Is Better, AmericInn by Wyndham or Wyndham Garden?
Lower upfront capital required
Wyndham Garden
AmericInn by Wyndham: $7.1M starting · Wyndham Garden: $5.0M starting
More SBA lender confidence
AmericInn by Wyndham
AmericInn by Wyndham: 44 SBA loans · Wyndham Garden: 13 SBA loans
Lower SBA default rate
Wyndham Garden
AmericInn by Wyndham: 4.5% · Wyndham Garden: 0.0%
Larger system & brand presence
AmericInn by Wyndham
AmericInn by Wyndham: 40 units · Wyndham Garden: 13 units
Lower ongoing royalty load
Tie
AmericInn by Wyndham: 5% · Wyndham Garden: 5%
More lender financing options
AmericInn by Wyndham
AmericInn by Wyndham: 25 unique lenders · Wyndham Garden: 12 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 AmericInn by Wyndham or Wyndham Garden?
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
AmericInn by Wyndham vs Wyndham Garden: Franchise Funding Comparison
Comparing AmericInn by Wyndham and Wyndham Garden is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $5.0M to $25.0M.
AmericInn by Wyndham has 44 SBA loans on record and Wyndham Garden has 13. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
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.
AmericInn by Wyndham vs Wyndham Garden, Frequently Asked Questions
Which is a better franchise investment, AmericInn by Wyndham or Wyndham Garden?
How much does a AmericInn by Wyndham franchise cost compared to Wyndham Garden?
Can I finance AmericInn by Wyndham or Wyndham Garden with an SBA loan?
Which has a lower SBA default rate, AmericInn by Wyndham or Wyndham Garden?
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