Decorating Den vs Line-X
Decorating Den vs Line-X: Decorating Den costs $44K–$80K to open; Line-X costs $25K–$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, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Decorating Den vs Line-X — 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
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 historical 7(a) approvals versus 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 historical loss profile 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 – $80K | $25K – $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
Line-X
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 historical default rate
Decorating Den
Decorating Den: 7.1% · Line-X: 9.3%
Larger system & brand presence
Line-X
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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About These Franchises
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.
Both brands have active SBA lending histories — Decorating Den with 28 SBA loans and Line-X with 204. 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.