Buddy's Home Furnishings vs Color Tyme
Buddy's Home Furnishings vs Color Tyme: Buddy's Home Furnishings costs $376K to $798K to open; Color Tyme costs $42K to $563K. Buddy's Home Furnishings has 9 units, Color Tyme has 19. SBA loan history: Buddy's Home Furnishings = 12 loans (0.0% default); Color Tyme = 27 loans (14.8% 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.
Buddy's Home Furnishings vs Color Tyme: 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
Color Tyme requires the lower minimum capital commitment ($42K vs $376K for Buddy's Home Furnishings), a 794% spread.
System Scale & Tenure
On scale, Color Tyme operates 19 units to Buddy's Home Furnishings's 9, roughly 2× the system size.
SBA Lending Profile
Color Tyme has the deeper SBA lending track record, with 27 7(a) approvals compared with 12 for Buddy's Home Furnishings.
Risk Signal
SBA default rates are 0.0% for Buddy's Home Furnishings and 14.8% for Color Tyme, Buddy's Home Furnishings has the cleaner SBA loss record by 14.8 points. PeerSense FPI scores come in at 56 (Moderate) for Buddy's Home Furnishings and 29 (Fair) for Color Tyme, giving Buddy's Home Furnishings the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 56/100 | 29/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 27 |
SBA Volume | – | – |
Default Rate | 0.0% | 14.8% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $376K to $798K | $42K to $563K |
Franchise Fee | $40K | N/A |
Royalty Rate | 6% | 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 | 9 | 19 |
Franchised Units | 9 | 19 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1961 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Orlando, FL | Manhattan, KS |
Category | Consumer Electronics | Consumer Electronics |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Buddy's Home Furnishings or Color Tyme?
Lower upfront capital required
Tie
Buddy's Home Furnishings: $376K starting · Color Tyme: $42K starting
More SBA lender confidence
Color Tyme
Buddy's Home Furnishings: 12 SBA loans · Color Tyme: 27 SBA loans
Lower SBA default rate
Buddy's Home Furnishings
Buddy's Home Furnishings: 0.0% · Color Tyme: 14.8%
Larger system & brand presence
Tie
Buddy's Home Furnishings: 9 units · Color Tyme: 19 units
More lender financing options
Color Tyme
Buddy's Home Furnishings: 8 unique lenders · Color Tyme: 18 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
Buddy's Home Furnishings vs Color Tyme: Franchise Funding Comparison
Comparing Buddy's Home Furnishings and Color Tyme is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $42K to $798K.
Buddy's Home Furnishings has 12 SBA loans on record and Color Tyme has 27. 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.
Buddy's Home Furnishings vs Color Tyme, Frequently Asked Questions
Which is a better franchise investment, Buddy's Home Furnishings or Color Tyme?
How much does a Buddy's Home Furnishings franchise cost compared to Color Tyme?
Can I finance Buddy's Home Furnishings or Color Tyme with an SBA loan?
Which has a lower SBA default rate, Buddy's Home Furnishings or Color Tyme?
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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