Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.98%↓✦30 Yr Treasury:5.32%↓✦30 Yr Mortgage:7.24%·Updated Oct 29, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.98%↓✦30 Yr Treasury:5.32%↓✦30 Yr Mortgage:7.24%·Updated Oct 29, 2026
Rates
Side by Side Comparison

Ashley Avery Collectables vs Hallmark Card Shop

Quick Answer

Ashley Avery Collectables vs Hallmark Card Shop: Ashley Avery Collectables costs $74K to $249K to open; Hallmark Card Shop costs $41K to $360K. Ashley Avery Collectables has 8 units, Hallmark Card Shop has 63. SBA loan history: Ashley Avery Collectables = 9 loans (11.1% default); Hallmark Card Shop = 73 loans (8.2% 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.

Ashley Avery Collectables vs Hallmark Card Shop: 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

Hallmark Card Shop requires the lower minimum capital commitment ($41K vs $74K for Ashley Avery Collectables), a 79% spread.

System Scale & Tenure

On scale, Hallmark Card Shop operates 63 units to Ashley Avery Collectables's 8, roughly 8× the system size.

SBA Lending Profile

Hallmark Card Shop has the deeper SBA lending track record, with 73 7(a) approvals compared with 9 for Ashley Avery Collectables. Ashley Avery Collectables's peak SBA year was 1996 (4 loans); Hallmark Card Shop's peak was 1995 (12 loans). Ashley Avery Collectables's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Ashley Avery Collectables deals is $181K vs $167K for Hallmark Card Shop, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 11.1% for Ashley Avery Collectables and 8.2% for Hallmark Card Shop, Hallmark Card Shop has the cleaner SBA loss record by 2.9 points. PeerSense FPI scores come in at 42 (Fair) for Ashley Avery Collectables and 36 (Fair) for Hallmark Card Shop, giving Ashley Avery Collectables the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Ashley Avery Collectables
Ashley Avery Collectables

Gift, Novelty,

42
Hallmark Card Shop
Hallmark Card Shop

Gift, Novelty,

36 6W

Health & Performance

FPI Score
42/100
36/100
Health Tier
Fair
Fair
Confidence
N/A
N/A
Lending Trend
N/A
Declining

SBA Lending

SBA Loans
9
73
SBA Volume
–
–
Default Rate
11.1%
8.2%
Peer Tier
emerging
established

Investment & Costs

Total Investment
$74K to $249K
$41K to $360K
Franchise Fee
N/A
$47K
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
8
63
Franchised Units
8
63
Company Owned
–
–
Term Length
N/A
N/A

Brand Information

Year Founded
N/A
1910
Franchising Since
N/A
N/A
Years Franchising
N/A
N/A
Headquarters
ARLINGTON, TX
DALLAS, TX
Category
Gift, Novelty,
Gift, Novelty,
Website
ashleyaveryagency.com
annieshallmark.com
FDD Year
N/A
N/A

Which Is Better, Ashley Avery Collectables or Hallmark Card Shop?

Lower upfront capital required

Tie

Ashley Avery Collectables: $74K starting · Hallmark Card Shop: $41K starting

More SBA lender confidence

Hallmark Card Shop

Ashley Avery Collectables: 9 SBA loans · Hallmark Card Shop: 73 SBA loans

Lower SBA default rate

Hallmark Card Shop

Ashley Avery Collectables: 11.1% · Hallmark Card Shop: 8.2%

Larger system & brand presence

Tie

Ashley Avery Collectables: 8 units · Hallmark Card Shop: 63 units

More lender financing options

Hallmark Card Shop

Ashley Avery Collectables: 6 unique lenders · Hallmark Card Shop: 47 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.

Franchise Financing

Need Funding for Ashley Avery Collectables or Hallmark Card Shop?

PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.

500+

SBA Lenders & Capital Sources

$0

Retainers or Consulting Fees

SBA 7(a)

10% Down Franchise Loans

Find My Loan Program Estimate Monthly Payment

About These Franchises

Ashley Avery Collectables

No description available.

Full Profile

Hallmark Card Shop

No description available.

Full Profile

Ashley Avery Collectables vs Hallmark Card Shop: Franchise Funding Comparison

Comparing Ashley Avery Collectables and Hallmark Card Shop is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $41K to $360K.

Ashley Avery Collectables has 9 SBA loans on record and Hallmark Card Shop has 73. 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 Hallmark Card Shop, Frequently Asked Questions

Which is a better franchise investment, Ashley Avery Collectables or Hallmark Card Shop?
Compare Ashley Avery Collectables vs Hallmark Card Shop 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 Hallmark Card Shop?
Ashley Avery Collectables requires $74K to $249K in total initial investment with a N/A franchise fee. Hallmark Card Shop requires $41K to $360K with a $47K franchise fee. All numbers come from official Franchise Disclosure Document filings.
Can I finance Ashley Avery Collectables or Hallmark Card Shop 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; Hallmark Card Shop has 73. 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 Hallmark Card Shop?
Ashley Avery Collectables: 11.1% SBA default rate. Hallmark Card Shop: 8.2% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.
Compare Ashley Avery Collectables to other franchises Compare Hallmark Card Shop to other franchises Browse all Gift, Novelty, franchises

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.

How big is your deal?
Where are you in the deal?
Equity or down payment ready
Credit score
Timeline to close
SBA already on the books?
What best describes your company
Liquid funds available outside this deal

Referral fee realized at closing · Or call (317) 452 6990

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