College Hunks Hauling Junk vs Two Men And A Truck
College Hunks Hauling Junk vs Two Men And A Truck: College Hunks Hauling Junk costs $158K to $356K to open; Two Men And A Truck costs $54K to $631K. College Hunks Hauling Junk has 127 units, Two Men And A Truck has 123. SBA loan history: College Hunks Hauling Junk = 165 loans (9.7% default); Two Men And A Truck = 180 loans (2.8% 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.
College Hunks Hauling Junk vs Two Men And A Truck: 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
Two Men And A Truck requires the lower minimum capital commitment ($54K vs $158K for College Hunks Hauling Junk), a 193% spread. Initial franchise fees come in at $55K for College Hunks Hauling Junk versus $50K for Two Men And A Truck, Two Men And A Truck has the lower entry fee. Ongoing royalty load is 7% for College Hunks Hauling Junk and 6% for Two Men And A Truck, giving Two Men And A Truck the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, College Hunks Hauling Junk operates 127 units to Two Men And A Truck's 123. Two Men And A Truck has been operating 41 years (founded 1985) versus 22 for College Hunks Hauling Junk (founded 2004), a 19-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Two Men And A Truck has the deeper SBA lending track record, with 180 7(a) approvals compared with 165 for College Hunks Hauling Junk. College Hunks Hauling Junk's peak SBA year was 2023 (30 loans); Two Men And A Truck's peak was 2015 (20 loans). College Hunks Hauling Junk's more recent peak generally indicates fresher lender appetite. College Hunks Hauling Junk has the most SBA funded units in TX, with 25. Two Men And A Truck leads in MI, with 35. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded College Hunks Hauling Junk deals is $232K vs $507K for Two Men And A Truck, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 9.7% for College Hunks Hauling Junk and 2.8% for Two Men And A Truck, Two Men And A Truck has the cleaner SBA loss record by 6.9 points. PeerSense FPI scores come in at 59 (Moderate) for College Hunks Hauling Junk and 78 (Strong) for Two Men And A Truck, giving Two Men And A Truck the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 78/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 165 | 180 |
SBA Volume | – | – |
Default Rate | 9.7% | 2.8% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $158K to $356K | $54K to $631K |
Franchise Fee | $55K | $50K |
Royalty Rate | 7% | 6% |
Ad Fund | 2% | 1% |
Liquid Capital | $70K | $150K |
Net Worth Required | $200K | $400K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 127 | 123 |
Franchised Units | 127 | 123 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2004 | 1985 |
Franchising Since | 1960 | 2022 |
Years Franchising | 66 yrs | 4 yrs |
Headquarters | Tampa, FL | LIVONIA, MI |
Category | Used Household | Used Household |
Website | ||
FDD Year | 2024 | 2025 |
Which Is Better, College Hunks Hauling Junk or Two Men And A Truck?
Lower upfront capital required
Two Men And A Truck
College Hunks Hauling Junk: $158K starting · Two Men And A Truck: $54K starting
More SBA lender confidence
Two Men And A Truck
College Hunks Hauling Junk: 165 SBA loans · Two Men And A Truck: 180 SBA loans
Lower SBA default rate
Two Men And A Truck
College Hunks Hauling Junk: 9.7% · Two Men And A Truck: 2.8%
Larger system & brand presence
College Hunks Hauling Junk
College Hunks Hauling Junk: 127 units · Two Men And A Truck: 123 units
Lower ongoing royalty load
Two Men And A Truck
College Hunks Hauling Junk: 7% · Two Men And A Truck: 6%
More lender financing options
Two Men And A Truck
College Hunks Hauling Junk: 40 unique lenders · Two Men And A Truck: 59 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
College Hunks Hauling Junk vs Two Men And A Truck: Franchise Funding Comparison
Comparing College Hunks Hauling Junk and Two Men And A Truck is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $54K to $631K.
College Hunks Hauling Junk has 165 SBA loans on record and Two Men And A Truck has 180. 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.
College Hunks Hauling Junk vs Two Men And A Truck, Frequently Asked Questions
Which is a better franchise investment, College Hunks Hauling Junk or Two Men And A Truck?
How much does a College Hunks Hauling Junk franchise cost compared to Two Men And A Truck?
Can I finance College Hunks Hauling Junk or Two Men And A Truck with an SBA loan?
Which has a lower SBA default rate, College Hunks Hauling Junk or Two Men And A Truck?
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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; it does not lend, fund, or approve loans, and 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