Country Clutter (Bed & Breakfa vs Country Visions
Country Clutter (Bed & Breakfa vs Country Visions: Country Clutter (Bed & Breakfa costs $93K to $218K to open; Country Visions costs $169K to $169K. Country Clutter (Bed & Breakfa has 27 units, Country Visions has 109. SBA loan history: Country Clutter (Bed & Breakfa = 50 loans (46.0% default); Country Visions = 26 loans (42.3% 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.
Country Clutter (Bed & Breakfa vs Country Visions: 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
Country Clutter (Bed & Breakfa requires the lower minimum capital commitment ($93K vs $169K for Country Visions), a 45% spread. Initial franchise fees come in at $25K for Country Clutter (Bed & Breakfa versus $40K for Country Visions, Country Clutter (Bed & Breakfa has the lower entry fee. Ongoing royalty load is 5.5% for Country Clutter (Bed & Breakfa and 5.5% for Country Visions, equal royalty drag.
System Scale & Tenure
On scale, Country Visions operates 109 units to Country Clutter (Bed & Breakfa's 27, roughly 4× the system size.
SBA Lending Profile
Country Clutter (Bed & Breakfa has the deeper SBA lending track record, with 50 7(a) approvals compared with 26 for Country Visions. Country Clutter (Bed & Breakfa's peak SBA year was 2001 (6 loans); Country Visions's peak was 1997 (5 loans). Country Clutter (Bed & Breakfa's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in CA. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Country Clutter (Bed & Breakfa deals is $167K vs $163K for Country Visions, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 46.0% for Country Clutter (Bed & Breakfa and 42.3% for Country Visions, Country Visions has the cleaner SBA loss record by 3.7 points. PeerSense FPI scores come in at 23 (Fair) for Country Clutter (Bed & Breakfa and 31 (Fair) for Country Visions, giving Country Visions the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 23/100 | 31/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 50 | 26 |
SBA Volume | – | – |
Default Rate | 46.0% | 42.3% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $93K to $218K | $169K to $169K |
Franchise Fee | $25K | $40K |
Royalty Rate | 5.5% | 5.5% |
Ad Fund | N/A | 1% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 27 | 109 |
Franchised Units | 27 | 109 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1991 | N/A |
Franchising Since | N/A | 1996 |
Years Franchising | N/A | 30 yrs |
Headquarters | ALBANY, CA | BAKERSFIELD, CA |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Country Clutter (Bed & Breakfa or Country Visions?
Lower upfront capital required
Tie
Country Clutter (Bed & Breakfa: $93K starting · Country Visions: $169K starting
More SBA lender confidence
Country Clutter (Bed & Breakfa
Country Clutter (Bed & Breakfa: 50 SBA loans · Country Visions: 26 SBA loans
Lower SBA default rate
Country Visions
Country Clutter (Bed & Breakfa: 46.0% · Country Visions: 42.3%
Larger system & brand presence
Tie
Country Clutter (Bed & Breakfa: 27 units · Country Visions: 109 units
Lower ongoing royalty load
Tie
Country Clutter (Bed & Breakfa: 5.5% · Country Visions: 5.5%
More lender financing options
Country Clutter (Bed & Breakfa
Country Clutter (Bed & Breakfa: 15 unique lenders · Country Visions: 13 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
Country Clutter (Bed & Breakfa vs Country Visions: Franchise Funding Comparison
Comparing Country Clutter (Bed & Breakfa and Country Visions is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $93K to $218K.
Country Clutter (Bed & Breakfa has 50 SBA loans on record and Country Visions has 26. 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.
Country Clutter (Bed & Breakfa vs Country Visions, Frequently Asked Questions
Which is a better franchise investment, Country Clutter (Bed & Breakfa or Country Visions?
How much does a Country Clutter (Bed & Breakfa franchise cost compared to Country Visions?
Can I finance Country Clutter (Bed & Breakfa or Country Visions with an SBA loan?
Which has a lower SBA default rate, Country Clutter (Bed & Breakfa or Country Visions?
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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
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