Which has more SBA loans, Ashley Avery Collectables or Card$Mart?

Ashley Avery Collectables has 9 SBA 7(a) historical approvals; Card$Mart has 13. Card$Mart has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Ashley Avery Collectables vs Card$Mart SBA loans?

Ashley Avery Collectables's SBA default rate is 11.1%, versus 15.4% for Card$Mart. Ashley Avery Collectables has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Ashley Avery Collectables and Card$Mart peak in SBA lending volume?

Ashley Avery Collectables's SBA approval peak was 1996 with 4 loans; Card$Mart's peak was 2004 with 8. A more recent peak (currently Card$Mart) generally indicates fresher lender appetite and easier financing today.

Which states have the most Ashley Avery Collectables and Card$Mart SBA loans?

Ashley Avery Collectables leads in TX with 5 SBA-funded units; Card$Mart leads in MA with 5. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Ashley Avery Collectables vs Card$Mart

Quick Answer

Ashley Avery Collectables vs Card$Mart: Ashley Avery Collectables costs $74K to $249K to open; Card$Mart costs $62K to $334K. Ashley Avery Collectables has 8 units, Card$Mart has 12. SBA loan history: Ashley Avery Collectables = 9 loans (11.1% default); Card$Mart = 13 loans (15.4% 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.

Ashley Avery Collectables vs Card$Mart: 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

Card$Mart requires the lower minimum capital commitment ($62K vs $74K for Ashley Avery Collectables), a 20% spread.

System Scale & Tenure

On scale, Card$Mart operates 12 units to Ashley Avery Collectables's 8.

SBA Lending Profile

Card$Mart has the deeper SBA lending track record, with 13 7(a) approvals compared with 9 for Ashley Avery Collectables. Ashley Avery Collectables's peak SBA year was 1996 (4 loans); Card$Mart's peak was 2004 (8 loans). Card$Mart's more recent peak generally indicates fresher lender appetite. Ashley Avery Collectables has the most SBA funded units in TX, with 5. Card$Mart leads in MA, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Ashley Avery Collectables deals is $181K vs $189K for Card$Mart, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 11.1% for Ashley Avery Collectables and 15.4% for Card$Mart, Ashley Avery Collectables has the cleaner SBA loss record by 4.3 points. PeerSense FPI scores come in at 42 (Fair) for Ashley Avery Collectables and 29 (Fair) for Card$Mart, giving Ashley Avery Collectables the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Ashley Avery Collectables

Gift, Novelty,

Card$Mart

Gift, Novelty,

29 5W

Health & Performance

FPI Score	42/100	29/100
Health Tier	Fair	Limited
Confidence	N/A	N/A
Lending Trend	N/A	Declining

SBA Lending

SBA Loans	9	13
SBA Volume	–	–
Default Rate	11.1%	15.4%
Peer Tier	emerging	growing

Investment & Costs

Total Investment	$74K to $249K	$62K to $334K
Franchise Fee	N/A	$73K
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

System Size & Operations

Total Units	8	12
Franchised Units	8	12
Company Owned	–	–
Term Length	N/A	N/A

Brand Information

Year Founded	N/A	N/A
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	ARLINGTON, TX	BEVERLY, MA
Category	Gift, Novelty,	Gift, Novelty,
Website	ashleyaveryagency.com	bimart.com
FDD Year	N/A	N/A

Which Is Better, Ashley Avery Collectables or Card$Mart?

Lower upfront capital required

Tie

Ashley Avery Collectables: $74K starting · Card$Mart: $62K starting

More SBA lender confidence

Card$Mart

Ashley Avery Collectables: 9 SBA loans · Card$Mart: 13 SBA loans

Lower SBA default rate

Ashley Avery Collectables

Ashley Avery Collectables: 11.1% · Card$Mart: 15.4%

Larger system & brand presence

Tie

Ashley Avery Collectables: 8 units · Card$Mart: 12 units

More lender financing options

Card$Mart

Ashley Avery Collectables: 6 unique lenders · Card$Mart: 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.

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About These Franchises

Ashley Avery Collectables

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Ashley Avery Collectables vs Card$Mart: Franchise Funding Comparison

Comparing Ashley Avery Collectables and Card$Mart is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $62K to $334K.

Ashley Avery Collectables has 9 SBA loans on record and Card$Mart has 13. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Ashley Avery Collectables vs Card$Mart, Frequently Asked Questions

Which is a better franchise investment, Ashley Avery Collectables or Card$Mart?

Compare Ashley Avery Collectables vs Card$Mart franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Ashley Avery Collectables franchise cost compared to Card$Mart?

Ashley Avery Collectables requires $74K to $249K in total initial investment with a N/A franchise fee. Card$Mart requires $62K to $334K with a $73K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Ashley Avery Collectables or Card$Mart with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Ashley Avery Collectables has 9 SBA loans on record; Card$Mart has 13. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Ashley Avery Collectables or Card$Mart?

Ashley Avery Collectables: 11.1% SBA default rate. Card$Mart: 15.4% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Ashley Avery Collectables to other franchises Compare Card$Mart to other franchises Browse all Gift, Novelty, franchises

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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 October 2, 2026LinkedIn profile About Edward Freeman