Carpet One Association Agree vs Stone Mountain Carpet Mill Out
Carpet One Association Agree vs Stone Mountain Carpet Mill Out: Carpet One Association Agree costs $255K to $1.7M to open; Stone Mountain Carpet Mill Out costs $100K to $421K. Carpet One Association Agree has 7 units, Stone Mountain Carpet Mill Out has 4. SBA loan history: Carpet One Association Agree = 8 loans (0.0% default); Stone Mountain Carpet Mill Out = 8 loans (25.0% 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.
Carpet One Association Agree vs Stone Mountain Carpet Mill Out: 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
Stone Mountain Carpet Mill Out requires the lower minimum capital commitment ($100K vs $255K for Carpet One Association Agree), a 155% spread.
System Scale & Tenure
On scale, Carpet One Association Agree operates 7 units to Stone Mountain Carpet Mill Out's 4. Carpet One Association Agree has been operating 41 years (founded 1985) versus 32 for Stone Mountain Carpet Mill Out (founded 1994), a 9-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Stone Mountain Carpet Mill Out has the deeper SBA lending track record, with 8 7(a) approvals compared with 8 for Carpet One Association Agree. Carpet One Association Agree's peak SBA year was 2021 (5 loans); Stone Mountain Carpet Mill Out's peak was 2008 (3 loans). Carpet One Association Agree's more recent peak generally indicates fresher lender appetite. Carpet One Association Agree has the most SBA funded units in CA, with 2. Stone Mountain Carpet Mill Out leads in NY, 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 Carpet One Association Agree deals is $875K vs $243K for Stone Mountain Carpet Mill Out, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Carpet One Association Agree and 25.0% for Stone Mountain Carpet Mill Out, Carpet One Association Agree has the cleaner SBA loss record by 25.0 points. PeerSense FPI scores come in at 47 (Fair) for Carpet One Association Agree and 22 (Fair) for Stone Mountain Carpet Mill Out, giving Carpet One Association Agree the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 47/100 | 22/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 25.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $255K to $1.7M | $100K to $421K |
Franchise Fee | N/A | N/A |
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 | 7 | 4 |
Franchised Units | 7 | 4 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1985 | 1994 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Manchester, CA | MI |
Category | Floor Covering Stores | Floor Covering Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Carpet One Association Agree or Stone Mountain Carpet Mill Out?
Lower upfront capital required
Tie
Carpet One Association Agree: $255K starting · Stone Mountain Carpet Mill Out: $100K starting
More SBA lender confidence
Tie
Carpet One Association Agree: 8 SBA loans · Stone Mountain Carpet Mill Out: 8 SBA loans
Lower SBA default rate
Carpet One Association Agree
Carpet One Association Agree: 0.0% · Stone Mountain Carpet Mill Out: 25.0%
Larger system & brand presence
Tie
Carpet One Association Agree: 7 units · Stone Mountain Carpet Mill Out: 4 units
More lender financing options
Carpet One Association Agree
Carpet One Association Agree: 7 unique lenders · Stone Mountain Carpet Mill Out: 6 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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Carpet One Association Agree vs Stone Mountain Carpet Mill Out: Franchise Funding Comparison
Comparing Carpet One Association Agree and Stone Mountain Carpet Mill Out is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $100K to $1.7M.
Carpet One Association Agree has 8 SBA loans on record and Stone Mountain Carpet Mill Out has 8. 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.
Carpet One Association Agree vs Stone Mountain Carpet Mill Out, Frequently Asked Questions
Which is a better franchise investment, Carpet One Association Agree or Stone Mountain Carpet Mill Out?
How much does a Carpet One Association Agree franchise cost compared to Stone Mountain Carpet Mill Out?
Can I finance Carpet One Association Agree or Stone Mountain Carpet Mill Out with an SBA loan?
Which has a lower SBA default rate, Carpet One Association Agree or Stone Mountain Carpet Mill Out?
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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