DirectBuy vs Oxi Fresh Carpet Cleaning
DirectBuy vs Oxi Fresh Carpet Cleaning: DirectBuy costs $364K to $637K to open; Oxi Fresh Carpet Cleaning costs $68K to $150K. DirectBuy has 27 units, Oxi Fresh Carpet Cleaning has 52. SBA loan history: DirectBuy = 29 loans (55.2% default); Oxi Fresh Carpet Cleaning = 61 loans (11.5% 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.
DirectBuy vs Oxi Fresh Carpet Cleaning: 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
Oxi Fresh Carpet Cleaning requires the lower minimum capital commitment ($68K vs $364K for DirectBuy), a 437% spread. Initial franchise fees come in at $75K for DirectBuy versus $69K for Oxi Fresh Carpet Cleaning, Oxi Fresh Carpet Cleaning has the lower entry fee.
System Scale & Tenure
On scale, Oxi Fresh Carpet Cleaning operates 52 units to DirectBuy's 27. DirectBuy has been operating 55 years (founded 1971) versus 15 for Oxi Fresh Carpet Cleaning (founded 2011), a 40-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Oxi Fresh Carpet Cleaning has the deeper SBA lending track record, with 61 7(a) approvals compared with 29 for DirectBuy. DirectBuy's peak SBA year was 2008 (9 loans); Oxi Fresh Carpet Cleaning's peak was 2018 (12 loans). Oxi Fresh Carpet Cleaning's more recent peak generally indicates fresher lender appetite. DirectBuy has the most SBA funded units in OH, with 4. Oxi Fresh Carpet Cleaning leads in FL, with 8. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded DirectBuy deals is $949K vs $150K for Oxi Fresh Carpet Cleaning, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 55.2% for DirectBuy and 11.5% for Oxi Fresh Carpet Cleaning, Oxi Fresh Carpet Cleaning has the cleaner SBA loss record by 43.7 points. PeerSense FPI scores come in at 28 (Fair) for DirectBuy and 54 (Moderate) for Oxi Fresh Carpet Cleaning, giving Oxi Fresh Carpet Cleaning the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 54/100 |
Health Tier | Limited | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 29 | 61 |
SBA Volume | – | – |
Default Rate | 55.2% | 11.5% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $364K to $637K | $68K to $150K |
Franchise Fee | $75K | $69K |
Royalty Rate | N/A | 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 | 52 |
Franchised Units | 27 | 52 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1971 | 2011 |
Franchising Since | N/A | 2018 |
Years Franchising | N/A | 8 yrs |
Headquarters | Merrillville, IN | FL |
Category | All Other Personal Services | All Other Personal Services |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, DirectBuy or Oxi Fresh Carpet Cleaning?
Lower upfront capital required
Tie
DirectBuy: $364K starting · Oxi Fresh Carpet Cleaning: $68K starting
More SBA lender confidence
Oxi Fresh Carpet Cleaning
DirectBuy: 29 SBA loans · Oxi Fresh Carpet Cleaning: 61 SBA loans
Lower SBA default rate
Oxi Fresh Carpet Cleaning
DirectBuy: 55.2% · Oxi Fresh Carpet Cleaning: 11.5%
Larger system & brand presence
Tie
DirectBuy: 27 units · Oxi Fresh Carpet Cleaning: 52 units
More lender financing options
DirectBuy
DirectBuy: 21 unique lenders · Oxi Fresh Carpet Cleaning: 19 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
DirectBuy vs Oxi Fresh Carpet Cleaning: Franchise Funding Comparison
Comparing DirectBuy and Oxi Fresh Carpet Cleaning is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $68K to $637K.
DirectBuy has 29 SBA loans on record and Oxi Fresh Carpet Cleaning has 61. 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.
DirectBuy vs Oxi Fresh Carpet Cleaning, Frequently Asked Questions
Which is a better franchise investment, DirectBuy or Oxi Fresh Carpet Cleaning?
How much does a DirectBuy franchise cost compared to Oxi Fresh Carpet Cleaning?
Can I finance DirectBuy or Oxi Fresh Carpet Cleaning with an SBA loan?
Which has a lower SBA default rate, DirectBuy or Oxi Fresh Carpet Cleaning?
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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