Which has more SBA loans, Discovery Point or Office Evolution?

Discovery Point has 45 SBA 7(a) historical approvals; Office Evolution has 46. Office Evolution has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Discovery Point vs Office Evolution SBA loans?

Discovery Point's SBA default rate is 11.1%, versus 6.5% for Office Evolution. Office Evolution has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Discovery Point and Office Evolution peak in SBA lending volume?

Discovery Point's SBA approval peak was 2010 with 8 loans; Office Evolution's peak was 2018 with 10. A more recent peak (currently Office Evolution) generally indicates fresher lender appetite and easier financing today.

Which states have the most Discovery Point and Office Evolution SBA loans?

Discovery Point leads in GA with 33 SBA-funded units; Office Evolution leads in TX with 7. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Discovery Point vs Office Evolution

Q: Which is a better franchise investment, Discovery Point or Office Evolution?

Discovery Point vs Office Evolution: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Discovery Point franchise cost compared to Office Evolution?

Discovery Point requires a total initial investment of $216K to $2.0M while Office Evolution requires $192K to $451K. Office Evolution has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Discovery Point vs Office Evolution: Discovery Point costs $216K to $2.0M to open; Office Evolution costs $192K to $451K. Discovery Point has 32 units, Office Evolution has 40. SBA loan history: Discovery Point = 45 loans (11.1% default); Office Evolution = 46 loans (6.5% 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.

Discovery Point vs Office Evolution: 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

Office Evolution requires the lower minimum capital commitment ($192K vs $216K for Discovery Point), a 12% spread.

System Scale & Tenure

On scale, Office Evolution operates 40 units to Discovery Point's 32. Discovery Point has been operating 38 years (founded 1988) versus 6 for Office Evolution (founded 2020), a 32-year tenure gap that affects unit-economics maturity and FDD revision history.

SBA Lending Profile

Office Evolution has the deeper SBA lending track record, with 46 7(a) approvals compared with 45 for Discovery Point. Discovery Point's peak SBA year was 2010 (8 loans); Office Evolution's peak was 2018 (10 loans). Office Evolution's more recent peak generally indicates fresher lender appetite. Discovery Point has the most SBA funded units in GA, with 33. Office Evolution leads in TX, with 7. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Discovery Point deals is $1.2M vs $468K for Office Evolution, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 11.1% for Discovery Point and 6.5% for Office Evolution, Office Evolution has the cleaner SBA loss record by 4.6 points. PeerSense FPI scores come in at 28 (Fair) for Discovery Point and 57 (Moderate) for Office Evolution, giving Office Evolution the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Discovery Point

Lessors of Nonresidential Buildings

Office Evolution

Lessors of Nonresidential Buildings

57 7W

Health & Performance

FPI Score	28/100	57/100
Health Tier	Limited	Moderate
Confidence	N/A	N/A
Lending Trend	Declining	Declining

SBA Lending

SBA Loans	45	46
SBA Volume	–	–
Default Rate	11.1%	6.5%
Peer Tier	established	established

Investment & Costs

Total Investment	$216K to $2.0M	$192K to $451K
Franchise Fee	$75K	N/A
Royalty Rate	N/A	N/A
Ad Fund	N/A	N/A
Liquid Capital	N/A	N/A
Net Worth Required	N/A	N/A

Financial Performance (Item 19)

Item 19 Status

Not Disclosed

System Size & Operations

Total Units	32	40
Franchised Units	32	40
Company Owned	–	–
Term Length	20 yrs	N/A

Brand Information

Year Founded	1988	2020
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	LAWRENCEVILLE, GA	OH
Category	Lessors of Nonresidential Buildings	Lessors of Nonresidential Buildings
Website	discoverypointfranchise.com	franchise.officeevolution.com
FDD Year	N/A	2024

Which Is Better, Discovery Point or Office Evolution?

Lower upfront capital required

Tie

Discovery Point: $216K starting · Office Evolution: $192K starting

More SBA lender confidence

Office Evolution

Discovery Point: 45 SBA loans · Office Evolution: 46 SBA loans

Lower SBA default rate

Office Evolution

Discovery Point: 11.1% · Office Evolution: 6.5%

Larger system & brand presence

Tie

Discovery Point: 32 units · Office Evolution: 40 units

More lender financing options

Office Evolution

Discovery Point: 16 unique lenders · Office Evolution: 22 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.

Franchise Financing

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500+

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Retainers or Consulting Fees

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About These Franchises

Discovery Point

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Office Evolution

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Full Profile

Discovery Point vs Office Evolution: Franchise Funding Comparison

Comparing Discovery Point and Office Evolution is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $192K to $2.0M.

Discovery Point has 45 SBA loans on record and Office Evolution has 46. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Discovery Point vs Office Evolution, Frequently Asked Questions

Which is a better franchise investment, Discovery Point or Office Evolution?

Compare Discovery Point vs Office Evolution franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Discovery Point franchise cost compared to Office Evolution?

Discovery Point requires $216K to $2.0M in total initial investment with a $75K franchise fee. Office Evolution requires $192K to $451K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Discovery Point or Office Evolution with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Discovery Point has 45 SBA loans on record; Office Evolution has 46. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Discovery Point or Office Evolution?

Discovery Point: 11.1% SBA default rate. Office Evolution: 6.5% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Discovery Point to other franchises Compare Office Evolution to other franchises Browse all Lessors of Nonresidential Buildings franchises

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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 October 2, 2026LinkedIn profile About Edward Freeman