Concrete Craft vs Garage Living
Concrete Craft vs Garage Living: Concrete Craft costs $102K to $193K to open; Garage Living costs $233K to $317K. Concrete Craft has 38 units, Garage Living has 19. SBA loan history: Concrete Craft = 49 loans (16.3% default); Garage Living = 18 loans (5.6% 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.
Concrete Craft vs Garage Living: 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
Concrete Craft requires the lower minimum capital commitment ($102K vs $233K for Garage Living), a 56% spread. Initial franchise fees come in at $20K for Concrete Craft versus $60K for Garage Living, Concrete Craft has the lower entry fee. Ongoing royalty load is 7% for Concrete Craft and 6.5% for Garage Living, giving Garage Living the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Concrete Craft operates 38 units to Garage Living's 19.
SBA Lending Profile
Concrete Craft has the deeper SBA lending track record, with 49 7(a) approvals compared with 18 for Garage Living. Concrete Craft's peak SBA year was 2021 (18 loans); Garage Living's peak was 2018 (1 loans). Concrete Craft's more recent peak generally indicates fresher lender appetite. Concrete Craft has the most SBA funded units in FL, with 6. Garage Living leads in VA, with 1. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Concrete Craft deals is $181K vs $175K for Garage Living, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 16.3% for Concrete Craft and 5.6% for Garage Living, Garage Living has the cleaner SBA loss record by 10.7 points. PeerSense FPI scores come in at 54 (Moderate) for Concrete Craft and 64 (Moderate) for Garage Living, giving Garage Living the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 64/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 49 | 18 |
SBA Volume | – | – |
Default Rate | 16.3% | 5.6% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $102K to $193K | $233K to $317K |
Franchise Fee | $20K | $60K |
Royalty Rate | 7% | 6.5% |
Ad Fund | 1% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 38 | 19 |
Franchised Units | 38 | 19 |
Company Owned | – | – |
Term Length | 5 yrs | 5 yrs |
Brand Information
Year Founded | N/A | 2005 |
Franchising Since | 2015 | 2015 |
Years Franchising | 11 yrs | 11 yrs |
Headquarters | CRESTVIEW, FL | N/A |
Category | All Other Specialty Trade Contractors | All Other Specialty Trade Contractors |
Website | ||
FDD Year | 2024 | 2025 |
Which Is Better, Concrete Craft or Garage Living?
Lower upfront capital required
Concrete Craft
Concrete Craft: $102K starting · Garage Living: $233K starting
More SBA lender confidence
Concrete Craft
Concrete Craft: 49 SBA loans · Garage Living: 18 SBA loans
Lower SBA default rate
Garage Living
Concrete Craft: 16.3% · Garage Living: 5.6%
Larger system & brand presence
Concrete Craft
Concrete Craft: 38 units · Garage Living: 19 units
Lower ongoing royalty load
Garage Living
Concrete Craft: 7% · Garage Living: 6.5%
More lender financing options
Concrete Craft
Concrete Craft: 9 unique lenders · Garage Living: 6 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 Concrete Craft or Garage Living?
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
Concrete Craft vs Garage Living: Franchise Funding Comparison
Comparing Concrete Craft and Garage Living is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $102K to $317K.
Concrete Craft has 49 SBA loans on record and Garage Living has 18. 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.
Concrete Craft vs Garage Living, Frequently Asked Questions
Which is a better franchise investment, Concrete Craft or Garage Living?
How much does a Concrete Craft franchise cost compared to Garage Living?
Can I finance Concrete Craft or Garage Living with an SBA loan?
Which has a lower SBA default rate, Concrete Craft or Garage Living?
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