Decorating Den vs Line-X
Decorating Den vs Line-X: Decorating Den costs $44K to $80K to open; Line-X costs $25K to $561K. Decorating Den has 28 units, Line-X has 152. SBA loan history: Decorating Den = 28 loans (7.1% default); Line-X = 204 loans (9.3% 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.
Decorating Den vs Line-X: 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
Line-X requires the lower minimum capital commitment ($25K vs $44K for Decorating Den), a 75% spread. Initial franchise fees come in at $40K for Decorating Den versus $50K for Line-X, Decorating Den has the lower entry fee. Ongoing royalty load is 9% for Decorating Den and 5.4% for Line-X, giving Line-X the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Line-X operates 152 units to Decorating Den's 28, roughly 5× the system size. Decorating Den has been operating 57 years (founded 1969) versus 33 for Line-X (founded 1993), a 24-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Line-X has the deeper SBA lending track record, with 204 7(a) approvals compared with 28 for Decorating Den.
Risk Signal
SBA default rates are 7.1% for Decorating Den and 9.3% for Line-X, Decorating Den has the cleaner SBA loss record by 2.2 points. PeerSense FPI scores come in at 46 (Fair) for Decorating Den and 60 (Moderate) for Line-X, giving Line-X the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 46/100 | 60/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 28 | 204 |
SBA Volume | – | – |
Default Rate | 7.1% | 9.3% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $44K to $80K | $25K to $561K |
Franchise Fee | $40K | $50K |
Royalty Rate | 9% | 5.4% |
Ad Fund | 4% | 1.5% |
Liquid Capital | N/A | $50K |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 28 | 152 |
Franchised Units | 28 | 152 |
Company Owned | – | – |
Term Length | 5 yrs | 5 yrs |
Brand Information
Year Founded | 1969 | 1993 |
Franchising Since | N/A | 1999 |
Years Franchising | N/A | 27 yrs |
Headquarters | Easton, MD | BRADENTON, FL |
Category | Interior Design Services | Interior Design Services |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Decorating Den or Line-X?
Lower upfront capital required
Tie
Decorating Den: $44K starting · Line-X: $25K starting
More SBA lender confidence
Line-X
Decorating Den: 28 SBA loans · Line-X: 204 SBA loans
Lower SBA default rate
Decorating Den
Decorating Den: 7.1% · Line-X: 9.3%
Larger system & brand presence
Tie
Decorating Den: 28 units · Line-X: 152 units
Lower ongoing royalty load
Line-X
Decorating Den: 9% · Line-X: 5.4%
More lender financing options
Line-X
Decorating Den: 19 unique lenders · Line-X: 105 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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Decorating Den vs Line-X: Franchise Funding Comparison
Comparing Decorating Den and Line-X is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $561K.
Decorating Den has 28 SBA loans on record and Line-X has 204. 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.
Decorating Den vs Line-X, Frequently Asked Questions
Which is a better franchise investment, Decorating Den or Line-X?
How much does a Decorating Den franchise cost compared to Line-X?
Can I finance Decorating Den or Line-X with an SBA loan?
Which has a lower SBA default rate, Decorating Den or Line-X?
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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; it does not lend, fund, or approve loans, and 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