Boconcept vs La-Z-Boy
Boconcept vs La-Z-Boy: Boconcept costs $350K to $986K to open; La-Z-Boy costs $100K to $2.2M. Boconcept has 6 units, La-Z-Boy has 19. SBA loan history: Boconcept = 7 loans (14.3% default); La-Z-Boy = 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.
Boconcept vs La-Z-Boy: 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
La-Z-Boy requires the lower minimum capital commitment ($100K vs $350K for Boconcept), a 250% spread.
System Scale & Tenure
On scale, La-Z-Boy operates 19 units to Boconcept's 6, roughly 3× the system size. La-Z-Boy has been operating 99 years (founded 1927) versus 74 for Boconcept (founded 1952), a 25-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
La-Z-Boy has the deeper SBA lending track record, with 13 7(a) approvals compared with 7 for Boconcept. Boconcept's peak SBA year was 2008 (3 loans); La-Z-Boy's peak was 2015 (4 loans). La-Z-Boy's more recent peak generally indicates fresher lender appetite. Boconcept has the most SBA funded units in IL, with 2. La-Z-Boy leads in WA, 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 Boconcept deals is $364K vs $1.1M for La-Z-Boy, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 14.3% for Boconcept and 0.0% for La-Z-Boy, La-Z-Boy has the cleaner SBA loss record by 14.3 points. PeerSense FPI scores come in at 20 (Fair) for Boconcept and 46 (Fair) for La-Z-Boy, giving La-Z-Boy the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 20/100 | 46/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 7 | 13 |
SBA Volume | – | – |
Default Rate | 14.3% | 0.0% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $350K to $986K | $100K to $2.2M |
Franchise Fee | $30K | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | 2% | 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 | 6 | 19 |
Franchised Units | 6 | 19 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | 1952 | 1927 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Bayonne, NJ | Monroe, GA |
Category | Furniture Stores | Furniture Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Boconcept or La-Z-Boy?
Lower upfront capital required
Tie
Boconcept: $350K starting · La-Z-Boy: $100K starting
More SBA lender confidence
La-Z-Boy
Boconcept: 7 SBA loans · La-Z-Boy: 13 SBA loans
Lower SBA default rate
La-Z-Boy
Boconcept: 14.3% · La-Z-Boy: 0.0%
Larger system & brand presence
Tie
Boconcept: 6 units · La-Z-Boy: 19 units
More lender financing options
La-Z-Boy
Boconcept: 6 unique lenders · La-Z-Boy: 11 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
Boconcept vs La-Z-Boy: Franchise Funding Comparison
Comparing Boconcept and La-Z-Boy is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $100K to $2.2M.
Boconcept has 7 SBA loans on record and La-Z-Boy 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.
Boconcept vs La-Z-Boy, Frequently Asked Questions
Which is a better franchise investment, Boconcept or La-Z-Boy?
How much does a Boconcept franchise cost compared to La-Z-Boy?
Can I finance Boconcept or La-Z-Boy with an SBA loan?
Which has a lower SBA default rate, Boconcept or La-Z-Boy?
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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