Carpet One Floor & Home vs Floor Coverings
Carpet One Floor & Home vs Floor Coverings: Carpet One Floor & Home costs $108K–$1.9M to open; Floor Coverings costs $40K–$300K. Carpet One Floor & Home has 18 units, Floor Coverings has 134. SBA loan history: Carpet One Floor & Home = 24 loans (0.0% default); Floor Coverings = 156 loans (6.4% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Carpet One Floor & Home vs Floor Coverings: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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 Coverings requires the lower minimum capital commitment ($40K vs $108K for Carpet One Floor & Home), a 169% spread.
System Scale & Tenure
On scale, Floor Coverings operates 134 units to Carpet One Floor & Home's 18, roughly 7× the system size.
SBA Lending Profile
Floor Coverings has the deeper SBA lending track record with 156 historical 7(a) approvals versus 24 for Carpet One Floor & Home. Carpet One Floor & Home's peak SBA year was 2019 (6 loans); Floor Coverings's peak was 2024 (28 loans). Floor Coverings's more recent peak generally indicates fresher lender appetite. Geographically, Carpet One Floor & Home concentrates in CO (4 SBA-funded units) while Floor Coverings leads in TX (26). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Carpet One Floor & Home deals is $784K vs $175K for Floor Coverings, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Carpet One Floor & Home and 6.4% for Floor Coverings, Carpet One Floor & Home has the cleaner historical loss profile by 6.4 points. PeerSense FPI scores come in at 60 (Moderate) for Carpet One Floor & Home and 80 (Excellent) for Floor Coverings, giving Floor Coverings the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 60/100 | 80/100 |
Health Tier | Moderate | Excellent |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 24 | 156 |
SBA Volume | – | – |
Default Rate | 0.0% | 6.4% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $108K – $1.9M | $40K – $300K |
Franchise Fee | N/A | $30K |
Royalty Rate | N/A | 5% |
Ad Fund | N/A | 3% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | $200K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 18 | 134 |
Franchised Units | 18 | 134 |
Company-Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 1988 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | BOULDER, CO | STAFFORD, TX |
Category | Flooring Contractors | Flooring Contractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Carpet One Floor & Home or Floor Coverings?
Lower upfront capital required
Floor Coverings
Carpet One Floor & Home: $108K starting · Floor Coverings: $40K starting
More SBA lender confidence
Floor Coverings
Carpet One Floor & Home: 24 SBA loans · Floor Coverings: 156 SBA loans
Lower historical default rate
Carpet One Floor & Home
Carpet One Floor & Home: 0.0% · Floor Coverings: 6.4%
Larger system & brand presence
Floor Coverings
Carpet One Floor & Home: 18 units · Floor Coverings: 134 units
More lender financing options
Floor Coverings
Carpet One Floor & Home: 15 unique lenders · Floor Coverings: 35 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 Coverings: Franchise Funding Comparison
Comparing Carpet One Floor & Home and Floor Coverings is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $40K to $1.9M.
Both brands have active SBA lending histories, Carpet One Floor & Home with 24 SBA loans and Floor Coverings with 156. This means proven lender acceptance and established underwriting paths for franchise buyers.
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 Coverings, Frequently Asked Questions
Which is a better franchise investment, Carpet One Floor & Home or Floor Coverings?
How much does a Carpet One Floor & Home franchise cost compared to Floor Coverings?
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Which has a lower SBA default rate, Carpet One Floor & Home or Floor Coverings?
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