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Side by Side Comparison

Champion Auto Store vs Naked Furniture

Quick Answer

Champion Auto Store vs Naked Furniture: Champion Auto Store costs $86K to $249K to open; Naked Furniture costs $73K to $242K. Champion Auto Store has 17 units, Naked Furniture has 5. SBA loan history: Champion Auto Store = 22 loans (18.2% 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.

Champion Auto Store 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 $86K for Champion Auto Store), a 18% spread.

System Scale & Tenure

On scale, Champion Auto Store operates 17 units to Naked Furniture's 5, roughly 3× the system size. Naked Furniture has been operating 64 years (founded 1962) versus 6 for Champion Auto Store (founded 2020), a 58-year tenure gap that affects unit-economics maturity and FDD revision history.

SBA Lending Profile

Champion Auto Store has the deeper SBA lending track record, with 22 7(a) approvals compared with 8 for Naked Furniture. Champion Auto Store's peak SBA year was 1997 (5 loans); Naked Furniture's peak was 2003 (2 loans). Naked Furniture's more recent peak generally indicates fresher lender appetite. Champion Auto Store has the most SBA funded units in MN, with 7. Naked Furniture leads in MI, 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 Champion Auto Store deals is $167K vs $156K for Naked Furniture, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 18.2% for Champion Auto Store and 25.0% for Naked Furniture, Champion Auto Store has the cleaner SBA loss record by 6.8 points. PeerSense FPI scores come in at 33 (Fair) for Champion Auto Store and 30 (Fair) for Naked Furniture, giving Champion Auto Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Champion Auto Store
Champion Auto Store

Automotive Parts

33 5W
Naked Furniture
Naked Furniture

Automotive Parts

30

Health & Performance

FPI Score
33/100
30/100
Health Tier
Limited
Limited
Confidence
N/A
N/A
Lending Trend
N/A
N/A

SBA Lending

SBA Loans
22
8
SBA Volume
–
–
Default Rate
18.2%
25.0%
Peer Tier
growing
emerging

Investment & Costs

Total Investment
$86K to $249K
$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
17
5
Franchised Units
17
5
Company Owned
–
–
Term Length
N/A
N/A

Brand Information

Year Founded
2020
1962
Franchising Since
N/A
N/A
Years Franchising
N/A
N/A
Headquarters
COTTAGE GROVE, MN
SAGINAW, MI
Category
Automotive Parts
Automotive Parts
Website
championautoshop.com
nakedfurniture.ca
FDD Year
N/A
N/A

Which Is Better, Champion Auto Store or Naked Furniture?

Lower upfront capital required

Tie

Champion Auto Store: $86K starting · Naked Furniture: $73K starting

More SBA lender confidence

Champion Auto Store

Champion Auto Store: 22 SBA loans · Naked Furniture: 8 SBA loans

Lower SBA default rate

Champion Auto Store

Champion Auto Store: 18.2% · Naked Furniture: 25.0%

Larger system & brand presence

Tie

Champion Auto Store: 17 units · Naked Furniture: 5 units

More lender financing options

Champion Auto Store

Champion Auto Store: 14 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.

Franchise Financing

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Retainers or Consulting Fees

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About These Franchises

Champion Auto Store

No description available.

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Naked Furniture

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Champion Auto Store vs Naked Furniture: Franchise Funding Comparison

Comparing Champion Auto Store 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 $249K.

Champion Auto Store has 22 SBA loans on record and Naked Furniture has 8. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Champion Auto Store vs Naked Furniture, Frequently Asked Questions

Which is a better franchise investment, Champion Auto Store or Naked Furniture?
Compare Champion Auto Store vs Naked Furniture franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.
How much does a Champion Auto Store franchise cost compared to Naked Furniture?
Champion Auto Store requires $86K to $249K in total initial investment with a N/A franchise fee. Naked Furniture requires $73K to $242K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.
Can I finance Champion Auto Store or Naked Furniture with an SBA loan?
Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Champion Auto Store has 22 SBA loans on record; Naked Furniture has 8. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.
Which has a lower SBA default rate, Champion Auto Store or Naked Furniture?
Champion Auto Store: 18.2% SBA default rate. Naked Furniture: 25.0% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.
Compare Champion Auto Store to other franchises Compare Naked Furniture to other franchises Browse all Automotive Parts franchises

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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