Carpet One Floor & Home vs Floor Covering International
Carpet One Floor & Home vs Floor Covering International: Carpet One Floor & Home costs $108K to $1.9M to open; Floor Covering International costs $19K to $101K. Carpet One Floor & Home has 18 units, Floor Covering International has 16. SBA loan history: Carpet One Floor & Home = 24 loans (0.0% default); Floor Covering International = 20 loans (20.0% 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 Floor & Home vs Floor Covering International: 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
Floor Covering International requires the lower minimum capital commitment ($19K vs $108K for Carpet One Floor & Home), a 466% spread.
System Scale & Tenure
On scale, Carpet One Floor & Home operates 18 units to Floor Covering International's 16.
SBA Lending Profile
Carpet One Floor & Home has the deeper SBA lending track record, with 24 7(a) approvals compared with 20 for Floor Covering International. Carpet One Floor & Home's peak SBA year was 2019 (6 loans); Floor Covering International's peak was 1995 (7 loans). Carpet One Floor & Home's more recent peak generally indicates fresher lender appetite. Carpet One Floor & Home has the most SBA funded units in CO, with 4. Floor Covering International leads in TX, with 3. 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 Floor & Home deals is $784K vs $57K for Floor Covering International, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Carpet One Floor & Home and 20.0% for Floor Covering International, Carpet One Floor & Home has the cleaner SBA loss record by 20.0 points. PeerSense FPI scores come in at 60 (Moderate) for Carpet One Floor & Home and 26 (Fair) for Floor Covering International, giving Carpet One Floor & Home the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 60/100 | 26/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 24 | 20 |
SBA Volume | – | – |
Default Rate | 0.0% | 20.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $108K to $1.9M | $19K to $101K |
Franchise Fee | N/A | $20K |
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 | 18 | 16 |
Franchised Units | 18 | 16 |
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 | BOULDER, CO | DALLLAS, TX |
Category | Flooring Contractors | Flooring Contractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Carpet One Floor & Home or Floor Covering International?
Lower upfront capital required
Tie
Carpet One Floor & Home: $108K starting · Floor Covering International: $19K starting
More SBA lender confidence
Carpet One Floor & Home
Carpet One Floor & Home: 24 SBA loans · Floor Covering International: 20 SBA loans
Lower SBA default rate
Carpet One Floor & Home
Carpet One Floor & Home: 0.0% · Floor Covering International: 20.0%
Larger system & brand presence
Tie
Carpet One Floor & Home: 18 units · Floor Covering International: 16 units
More lender financing options
Floor Covering International
Carpet One Floor & Home: 15 unique lenders · Floor Covering International: 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
Carpet One Floor & Home vs Floor Covering International: Franchise Funding Comparison
Comparing Carpet One Floor & Home and Floor Covering International is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $19K to $1.9M.
Carpet One Floor & Home has 24 SBA loans on record and Floor Covering International has 20. 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 Floor & Home vs Floor Covering International, Frequently Asked Questions
Which is a better franchise investment, Carpet One Floor & Home or Floor Covering International?
How much does a Carpet One Floor & Home franchise cost compared to Floor Covering International?
Can I finance Carpet One Floor & Home or Floor Covering International with an SBA loan?
Which has a lower SBA default rate, Carpet One Floor & Home or Floor Covering International?
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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