Color Tile vs Flooring America Member Agre
Color Tile vs Flooring America Member Agre: Color Tile costs $80K to $220K to open; Flooring America Member Agre costs $231K to $1.9M. Color Tile has 55 units, Flooring America Member Agre has 8. SBA loan history: Color Tile = 79 loans (29.1% default); Flooring America Member Agre = 8 loans (0.0% 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.
Color Tile vs Flooring America Member Agre: 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
Color Tile requires the lower minimum capital commitment ($80K vs $231K for Flooring America Member Agre), a 65% spread.
System Scale & Tenure
On scale, Color Tile operates 55 units to Flooring America Member Agre's 8, roughly 7× the system size.
SBA Lending Profile
Color Tile has the deeper SBA lending track record, with 79 7(a) approvals compared with 8 for Flooring America Member Agre. Color Tile's peak SBA year was 1995 (26 loans); Flooring America Member Agre's peak was 2022 (3 loans). Flooring America Member Agre's more recent peak generally indicates fresher lender appetite. Color Tile has the most SBA funded units in MN, with 7. Flooring America Member Agre leads in CA, 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 Color Tile deals is $145K vs $932K for Flooring America Member Agre, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 29.1% for Color Tile and 0.0% for Flooring America Member Agre, Flooring America Member Agre has the cleaner SBA loss record by 29.1 points. PeerSense FPI scores come in at 37 (Fair) for Color Tile and 55 (Moderate) for Flooring America Member Agre, giving Flooring America Member Agre the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 37/100 | 55/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 79 | 8 |
SBA Volume | – | – |
Default Rate | 29.1% | 0.0% |
Peer Tier | established | emerging |
Investment & Costs
Total Investment | $80K to $220K | $231K to $1.9M |
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 | 55 | 8 |
Franchised Units | 55 | 8 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 1989 |
Franchising Since | 1960 | N/A |
Years Franchising | 66 yrs | N/A |
Headquarters | APPLE VALLEY, MN | Atwater, CA |
Category | Floor Covering Stores | Floor Covering Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Color Tile or Flooring America Member Agre?
Lower upfront capital required
Tie
Color Tile: $80K starting · Flooring America Member Agre: $231K starting
More SBA lender confidence
Color Tile
Color Tile: 79 SBA loans · Flooring America Member Agre: 8 SBA loans
Lower SBA default rate
Flooring America Member Agre
Color Tile: 29.1% · Flooring America Member Agre: 0.0%
Larger system & brand presence
Tie
Color Tile: 55 units · Flooring America Member Agre: 8 units
More lender financing options
Color Tile
Color Tile: 36 unique lenders · Flooring America Member Agre: 7 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.
Need Funding for Color Tile or Flooring America Member Agre?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Color Tile vs Flooring America Member Agre: Franchise Funding Comparison
Comparing Color Tile and Flooring America Member Agre is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $80K to $1.9M.
Color Tile has 79 SBA loans on record and Flooring America Member Agre 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.
Color Tile vs Flooring America Member Agre, Frequently Asked Questions
Which is a better franchise investment, Color Tile or Flooring America Member Agre?
How much does a Color Tile franchise cost compared to Flooring America Member Agre?
Can I finance Color Tile or Flooring America Member Agre with an SBA loan?
Which has a lower SBA default rate, Color Tile or Flooring America Member Agre?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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