Country Clutter (Bed & Breakfa vs Merle Norman Cosmetics
Country Clutter (Bed & Breakfa vs Merle Norman Cosmetics: Country Clutter (Bed & Breakfa costs $93K–$218K to open; Merle Norman Cosmetics costs $2.3M–$3.3M. Country Clutter (Bed & Breakfa has 27 units, Merle Norman Cosmetics has 163. SBA loan history: Country Clutter (Bed & Breakfa = 50 loans (46.0% default); Merle Norman Cosmetics = 180 loans (17.2% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Country Clutter (Bed & Breakfa vs Merle Norman Cosmetics: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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 $2.3M for Merle Norman Cosmetics), a 96% spread. Initial franchise fees come in at $25K for Country Clutter (Bed & Breakfa versus $10K for Merle Norman Cosmetics, Merle Norman Cosmetics has the lower entry fee.
System Scale & Tenure
On scale, Merle Norman Cosmetics operates 163 units to Country Clutter (Bed & Breakfa's 27, roughly 6× the system size. Merle Norman Cosmetics has been operating 95 years (founded 1931) versus 35 for Country Clutter (Bed & Breakfa (founded 1991), a 60-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Merle Norman Cosmetics has the deeper SBA lending track record with 180 historical 7(a) approvals versus 50 for Country Clutter (Bed & Breakfa.
Risk Signal
SBA default rates are 46.0% for Country Clutter (Bed & Breakfa and 17.2% for Merle Norman Cosmetics, Merle Norman Cosmetics has the cleaner historical loss profile by 28.8 points. PeerSense FPI scores come in at 23 (Fair) for Country Clutter (Bed & Breakfa and 33 (Fair) for Merle Norman Cosmetics, giving Merle Norman Cosmetics the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 23/100 | 33/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 50 | 180 |
SBA Volume | – | – |
Default Rate | 46.0% | 17.2% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $93K – $218K | $2.3M – $3.3M |
Franchise Fee | $25K | $10K |
Royalty Rate | 5.5% | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | $100K |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 27 | 163 |
Franchised Units | 27 | 163 |
Company-Owned | – | – |
Term Length | N/A | 7 yrs |
Brand Information
Year Founded | 1991 | 1931 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ALBANY, CA | N/A |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Country Clutter (Bed & Breakfa or Merle Norman Cosmetics?
Lower upfront capital required
Country Clutter (Bed & Breakfa
Country Clutter (Bed & Breakfa: $93K starting · Merle Norman Cosmetics: $2.3M starting
More SBA lender confidence
Merle Norman Cosmetics
Country Clutter (Bed & Breakfa: 50 SBA loans · Merle Norman Cosmetics: 180 SBA loans
Lower historical default rate
Merle Norman Cosmetics
Country Clutter (Bed & Breakfa: 46.0% · Merle Norman Cosmetics: 17.2%
Larger system & brand presence
Merle Norman Cosmetics
Country Clutter (Bed & Breakfa: 27 units · Merle Norman Cosmetics: 163 units
Lower ongoing royalty load
Merle Norman Cosmetics
Country Clutter (Bed & Breakfa: 5.5% · Merle Norman Cosmetics: 0%
More lender financing options
Merle Norman Cosmetics
Country Clutter (Bed & Breakfa: 15 unique lenders · Merle Norman Cosmetics: 97 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 Merle Norman Cosmetics: Franchise Funding Comparison
Comparing Country Clutter (Bed & Breakfa and Merle Norman Cosmetics is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $93K to $3.3M.
Both brands have active SBA lending histories, Country Clutter (Bed & Breakfa with 50 SBA loans and Merle Norman Cosmetics with 180. This means proven lender acceptance and established underwriting paths for franchise buyers.
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 Merle Norman Cosmetics, Frequently Asked Questions
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