Country Clutter (Bed & Breakfa vs Rocket Fizz
Country Clutter (Bed & Breakfa vs Rocket Fizz: Country Clutter (Bed & Breakfa costs $93K to $218K to open; Rocket Fizz costs $905K to $1.7M. Country Clutter (Bed & Breakfa has 27 units, Rocket Fizz has 20. SBA loan history: Country Clutter (Bed & Breakfa = 50 loans (46.0% default); Rocket Fizz = 21 loans (9.5% 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 Rocket Fizz: 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 $905K for Rocket Fizz), a 90% spread. Initial franchise fees come in at $25K for Country Clutter (Bed & Breakfa versus $25K for Rocket Fizz. Ongoing royalty load is 5.5% for Country Clutter (Bed & Breakfa and 6% for Rocket Fizz, giving Country Clutter (Bed & Breakfa the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Country Clutter (Bed & Breakfa operates 27 units to Rocket Fizz's 20.
SBA Lending Profile
Country Clutter (Bed & Breakfa has the deeper SBA lending track record, with 50 7(a) approvals compared with 21 for Rocket Fizz. Country Clutter (Bed & Breakfa's peak SBA year was 2001 (6 loans); Rocket Fizz's peak was 2019 (3 loans). Rocket Fizz's more recent peak generally indicates fresher lender appetite. Country Clutter (Bed & Breakfa has the most SBA funded units in CA, with 10. Rocket Fizz leads in TX, 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 Country Clutter (Bed & Breakfa deals is $167K vs $150K for Rocket Fizz, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 46.0% for Country Clutter (Bed & Breakfa and 9.5% for Rocket Fizz, Rocket Fizz has the cleaner SBA loss record by 36.5 points. PeerSense FPI scores come in at 23 (Fair) for Country Clutter (Bed & Breakfa and 52 (Moderate) for Rocket Fizz, giving Rocket Fizz the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 23/100 | 52/100 |
Health Tier | Limited | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 50 | 21 |
SBA Volume | – | – |
Default Rate | 46.0% | 9.5% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $93K to $218K | $905K to $1.7M |
Franchise Fee | $25K | $25K |
Royalty Rate | 5.5% | 6% |
Ad Fund | N/A | 2% |
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 | 20 |
Franchised Units | 27 | 20 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1991 | N/A |
Franchising Since | N/A | 2010 |
Years Franchising | N/A | 16 yrs |
Headquarters | ALBANY, CA | Reno, NV |
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 Rocket Fizz?
Lower upfront capital required
Tie
Country Clutter (Bed & Breakfa: $93K starting · Rocket Fizz: $905K starting
More SBA lender confidence
Country Clutter (Bed & Breakfa
Country Clutter (Bed & Breakfa: 50 SBA loans · Rocket Fizz: 21 SBA loans
Lower SBA default rate
Rocket Fizz
Country Clutter (Bed & Breakfa: 46.0% · Rocket Fizz: 9.5%
Larger system & brand presence
Tie
Country Clutter (Bed & Breakfa: 27 units · Rocket Fizz: 20 units
Lower ongoing royalty load
Country Clutter (Bed & Breakfa
Country Clutter (Bed & Breakfa: 5.5% · Rocket Fizz: 6%
More lender financing options
Rocket Fizz
Country Clutter (Bed & Breakfa: 15 unique lenders · Rocket Fizz: 16 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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Country Clutter (Bed & Breakfa vs Rocket Fizz: Franchise Funding Comparison
Comparing Country Clutter (Bed & Breakfa and Rocket Fizz is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $93K to $1.7M.
Country Clutter (Bed & Breakfa has 50 SBA loans on record and Rocket Fizz has 21. 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 Rocket Fizz, Frequently Asked Questions
Which is a better franchise investment, Country Clutter (Bed & Breakfa or Rocket Fizz?
How much does a Country Clutter (Bed & Breakfa franchise cost compared to Rocket Fizz?
Can I finance Country Clutter (Bed & Breakfa or Rocket Fizz with an SBA loan?
Which has a lower SBA default rate, Country Clutter (Bed & Breakfa or Rocket Fizz?
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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
Last reviewed LinkedIn profileAbout Edward Freeman