CRUISE HOLIDAYS INTERNATIONAL vs Expedia Cruises
CRUISE HOLIDAYS INTERNATIONAL vs Expedia Cruises: CRUISE HOLIDAYS INTERNATIONAL costs $7K to $160K to open; Expedia Cruises costs $150K to $259K. CRUISE HOLIDAYS INTERNATIONAL has 16 units, Expedia Cruises has 7. SBA loan history: CRUISE HOLIDAYS INTERNATIONAL = 17 loans (11.8% default); Expedia Cruises = 7 loans (28.6% 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.
CRUISE HOLIDAYS INTERNATIONAL vs Expedia Cruises: 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
CRUISE HOLIDAYS INTERNATIONAL requires the lower minimum capital commitment ($7K vs $150K for Expedia Cruises), a 95% spread. Initial franchise fees come in at $30K for CRUISE HOLIDAYS INTERNATIONAL versus $49K for Expedia Cruises, CRUISE HOLIDAYS INTERNATIONAL has the lower entry fee. Ongoing royalty load is 3% for CRUISE HOLIDAYS INTERNATIONAL and 9% for Expedia Cruises, giving CRUISE HOLIDAYS INTERNATIONAL the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, CRUISE HOLIDAYS INTERNATIONAL operates 16 units to Expedia Cruises's 7, roughly 2× the system size. CRUISE HOLIDAYS INTERNATIONAL has been operating 42 years (founded 1984) versus 10 for Expedia Cruises (founded 2016), a 32-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
CRUISE HOLIDAYS INTERNATIONAL has the deeper SBA lending track record, with 17 7(a) approvals compared with 7 for Expedia Cruises.
Risk Signal
SBA default rates are 11.8% for CRUISE HOLIDAYS INTERNATIONAL and 28.6% for Expedia Cruises, CRUISE HOLIDAYS INTERNATIONAL has the cleaner SBA loss record by 16.8 points. PeerSense FPI scores come in at 40 (Fair) for CRUISE HOLIDAYS INTERNATIONAL and 25 (Fair) for Expedia Cruises, giving CRUISE HOLIDAYS INTERNATIONAL the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 40/100 | 25/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 17 | 7 |
SBA Volume | – | – |
Default Rate | 11.8% | 28.6% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $7K to $160K | $150K to $259K |
Franchise Fee | $30K | $49K |
Royalty Rate | 3% | 9% |
Ad Fund | N/A | 4% |
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 | 16 | 7 |
Franchised Units | 16 | 7 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1984 | 2016 |
Franchising Since | N/A | 2008 |
Years Franchising | N/A | 18 yrs |
Headquarters | N/A | N/A |
Category | Travel Agencies | Travel Agencies |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, CRUISE HOLIDAYS INTERNATIONAL or Expedia Cruises?
Lower upfront capital required
Tie
CRUISE HOLIDAYS INTERNATIONAL: $7K starting · Expedia Cruises: $150K starting
More SBA lender confidence
CRUISE HOLIDAYS INTERNATIONAL
CRUISE HOLIDAYS INTERNATIONAL: 17 SBA loans · Expedia Cruises: 7 SBA loans
Lower SBA default rate
CRUISE HOLIDAYS INTERNATIONAL
CRUISE HOLIDAYS INTERNATIONAL: 11.8% · Expedia Cruises: 28.6%
Larger system & brand presence
Tie
CRUISE HOLIDAYS INTERNATIONAL: 16 units · Expedia Cruises: 7 units
Lower ongoing royalty load
CRUISE HOLIDAYS INTERNATIONAL
CRUISE HOLIDAYS INTERNATIONAL: 3% · Expedia Cruises: 9%
More lender financing options
CRUISE HOLIDAYS INTERNATIONAL
CRUISE HOLIDAYS INTERNATIONAL: 13 unique lenders · Expedia Cruises: 5 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
CRUISE HOLIDAYS INTERNATIONAL vs Expedia Cruises: Franchise Funding Comparison
Comparing CRUISE HOLIDAYS INTERNATIONAL and Expedia Cruises is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $7K to $259K.
CRUISE HOLIDAYS INTERNATIONAL has 17 SBA loans on record and Expedia Cruises has 7. 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.
CRUISE HOLIDAYS INTERNATIONAL vs Expedia Cruises, Frequently Asked Questions
Which is a better franchise investment, CRUISE HOLIDAYS INTERNATIONAL or Expedia Cruises?
How much does a CRUISE HOLIDAYS INTERNATIONAL franchise cost compared to Expedia Cruises?
Can I finance CRUISE HOLIDAYS INTERNATIONAL or Expedia Cruises with an SBA loan?
Which has a lower SBA default rate, CRUISE HOLIDAYS INTERNATIONAL or Expedia Cruises?
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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