Cd Exchange vs DISC-GO-ROUND
Cd Exchange vs DISC-GO-ROUND: Cd Exchange costs $49K to $76K to open; DISC-GO-ROUND costs $28K to $100K. Cd Exchange has 7 units, DISC-GO-ROUND has 13. SBA loan history: Cd Exchange = 9 loans (11.1% default); DISC-GO-ROUND = 17 loans (11.8% 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.
Cd Exchange vs DISC-GO-ROUND: 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
DISC-GO-ROUND requires the lower minimum capital commitment ($28K vs $49K for Cd Exchange), a 74% spread. Initial franchise fees come in at $20K for Cd Exchange versus $38K for DISC-GO-ROUND, Cd Exchange has the lower entry fee.
System Scale & Tenure
On scale, DISC-GO-ROUND operates 13 units to Cd Exchange's 7.
SBA Lending Profile
DISC-GO-ROUND has the deeper SBA lending track record, with 17 7(a) approvals compared with 9 for Cd Exchange. Cd Exchange's peak SBA year was 1994 (4 loans); DISC-GO-ROUND's peak was 1998 (5 loans). DISC-GO-ROUND's more recent peak generally indicates fresher lender appetite. Cd Exchange has the most SBA funded units in IN, with 3. DISC-GO-ROUND leads in WA, 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 Cd Exchange deals is $57K vs $62K for DISC-GO-ROUND, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 11.1% for Cd Exchange and 11.8% for DISC-GO-ROUND, Cd Exchange has the cleaner SBA loss record by 0.7 points. PeerSense FPI scores come in at 39 (Fair) for Cd Exchange and 42 (Fair) for DISC-GO-ROUND, giving DISC-GO-ROUND the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 39/100 | 42/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 9 | 17 |
SBA Volume | – | – |
Default Rate | 11.1% | 11.8% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $49K to $76K | $28K to $100K |
Franchise Fee | $20K | $38K |
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 | 13 |
Franchised Units | 7 | 13 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2004 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | MISHAWAKA, IN | ATLANTA, GA |
Category | Prerecorded Tape, Compact Disc, | Prerecorded Tape, Compact Disc, |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Cd Exchange or DISC-GO-ROUND?
Lower upfront capital required
Tie
Cd Exchange: $49K starting · DISC-GO-ROUND: $28K starting
More SBA lender confidence
DISC-GO-ROUND
Cd Exchange: 9 SBA loans · DISC-GO-ROUND: 17 SBA loans
Lower SBA default rate
Cd Exchange
Cd Exchange: 11.1% · DISC-GO-ROUND: 11.8%
Larger system & brand presence
Tie
Cd Exchange: 7 units · DISC-GO-ROUND: 13 units
More lender financing options
DISC-GO-ROUND
Cd Exchange: 7 unique lenders · DISC-GO-ROUND: 12 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
Cd Exchange vs DISC-GO-ROUND: Franchise Funding Comparison
Comparing Cd Exchange and DISC-GO-ROUND is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $28K to $100K.
Cd Exchange has 9 SBA loans on record and DISC-GO-ROUND has 17. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Cd Exchange vs DISC-GO-ROUND, Frequently Asked Questions
Which is a better franchise investment, Cd Exchange or DISC-GO-ROUND?
How much does a Cd Exchange franchise cost compared to DISC-GO-ROUND?
Can I finance Cd Exchange or DISC-GO-ROUND with an SBA loan?
Which has a lower SBA default rate, Cd Exchange or DISC-GO-ROUND?
Talk to PeerSense
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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