Carquest Auto Parts vs Naked Furniture
Carquest Auto Parts vs Naked Furniture: Carquest Auto Parts costs $100K to $910K to open; Naked Furniture costs $73K to $242K. Carquest Auto Parts has 8 units, Naked Furniture has 5. SBA loan history: Carquest Auto Parts = 12 loans (0.0% default); Naked Furniture = 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.
Carquest Auto Parts vs Naked Furniture: 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
Naked Furniture requires the lower minimum capital commitment ($73K vs $100K for Carquest Auto Parts), a 37% spread.
System Scale & Tenure
On scale, Carquest Auto Parts operates 8 units to Naked Furniture's 5. Naked Furniture has been operating 64 years (founded 1962) versus 52 for Carquest Auto Parts (founded 1974), a 12-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Carquest Auto Parts has the deeper SBA lending track record, with 12 7(a) approvals compared with 8 for Naked Furniture. Carquest Auto Parts's peak SBA year was 2020 (4 loans); Naked Furniture's peak was 2003 (2 loans). Carquest Auto Parts's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in MI. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Carquest Auto Parts deals is $422K vs $156K for Naked Furniture, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Carquest Auto Parts and 25.0% for Naked Furniture, Carquest Auto Parts has the cleaner SBA loss record by 25.0 points. PeerSense FPI scores come in at 44 (Fair) for Carquest Auto Parts and 30 (Fair) for Naked Furniture, giving Carquest Auto Parts the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 30/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 12 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 25.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $100K to $910K | $73K to $242K |
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 | 8 | 5 |
Franchised Units | 8 | 5 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1974 | 1962 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Baraga, MI | SAGINAW, MI |
Category | Automotive Parts | Automotive Parts |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Carquest Auto Parts or Naked Furniture?
Lower upfront capital required
Tie
Carquest Auto Parts: $100K starting · Naked Furniture: $73K starting
More SBA lender confidence
Carquest Auto Parts
Carquest Auto Parts: 12 SBA loans · Naked Furniture: 8 SBA loans
Lower SBA default rate
Carquest Auto Parts
Carquest Auto Parts: 0.0% · Naked Furniture: 25.0%
Larger system & brand presence
Tie
Carquest Auto Parts: 8 units · Naked Furniture: 5 units
More lender financing options
Carquest Auto Parts
Carquest Auto Parts: 8 unique lenders · Naked Furniture: 4 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
Carquest Auto Parts vs Naked Furniture: Franchise Funding Comparison
Comparing Carquest Auto Parts and Naked Furniture is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $73K to $910K.
Carquest Auto Parts has 12 SBA loans on record and Naked Furniture 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.
Carquest Auto Parts vs Naked Furniture, Frequently Asked Questions
Which is a better franchise investment, Carquest Auto Parts or Naked Furniture?
How much does a Carquest Auto Parts franchise cost compared to Naked Furniture?
Can I finance Carquest Auto Parts or Naked Furniture with an SBA loan?
Which has a lower SBA default rate, Carquest Auto Parts or Naked Furniture?
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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