Discovery Point vs Pump It Up Holdings
Discovery Point vs Pump It Up Holdings: Discovery Point costs $216K to $2.0M to open; Pump It Up Holdings costs $301K to $896K. Discovery Point has 32 units, Pump It Up Holdings has 106. SBA loan history: Discovery Point = 45 loans (11.1% default); Pump It Up Holdings = 130 loans (12.3% 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.
Discovery Point vs Pump It Up Holdings: 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
Discovery Point requires the lower minimum capital commitment ($216K vs $301K for Pump It Up Holdings), a 28% spread. Initial franchise fees come in at $75K for Discovery Point versus $30K for Pump It Up Holdings, Pump It Up Holdings has the lower entry fee.
System Scale & Tenure
On scale, Pump It Up Holdings operates 106 units to Discovery Point's 32, roughly 3× the system size. Discovery Point has been operating 38 years (founded 1988) versus 26 for Pump It Up Holdings (founded 2000), a 12-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Pump It Up Holdings has the deeper SBA lending track record, with 130 7(a) approvals compared with 45 for Discovery Point.
Risk Signal
SBA default rates are 11.1% for Discovery Point and 12.3% for Pump It Up Holdings, Discovery Point has the cleaner SBA loss record by 1.2 points. PeerSense FPI scores come in at 28 (Fair) for Discovery Point and 49 (Fair) for Pump It Up Holdings, giving Pump It Up Holdings the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 49/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 45 | 130 |
SBA Volume | – | – |
Default Rate | 11.1% | 12.3% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $216K to $2.0M | $301K to $896K |
Franchise Fee | $75K | $30K |
Royalty Rate | N/A | 6% |
Ad Fund | N/A | 5% |
Liquid Capital | N/A | $200K |
Net Worth Required | N/A | $750K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 32 | 106 |
Franchised Units | 32 | 106 |
Company Owned | – | – |
Term Length | 20 yrs | 10 yrs |
Brand Information
Year Founded | 1988 | 2000 |
Franchising Since | N/A | 2022 |
Years Franchising | N/A | 4 yrs |
Headquarters | LAWRENCEVILLE, GA | Tempe, AZ |
Category | Lessors of Nonresidential Buildings | Lessors of Nonresidential Buildings |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Discovery Point or Pump It Up Holdings?
Lower upfront capital required
Tie
Discovery Point: $216K starting · Pump It Up Holdings: $301K starting
More SBA lender confidence
Pump It Up Holdings
Discovery Point: 45 SBA loans · Pump It Up Holdings: 130 SBA loans
Lower SBA default rate
Discovery Point
Discovery Point: 11.1% · Pump It Up Holdings: 12.3%
Larger system & brand presence
Tie
Discovery Point: 32 units · Pump It Up Holdings: 106 units
More lender financing options
Pump It Up Holdings
Discovery Point: 16 unique lenders · Pump It Up Holdings: 65 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
Discovery Point vs Pump It Up Holdings: Franchise Funding Comparison
Comparing Discovery Point and Pump It Up Holdings is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $216K to $2.0M.
Discovery Point has 45 SBA loans on record and Pump It Up Holdings has 130. 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.
Discovery Point vs Pump It Up Holdings, Frequently Asked Questions
Which is a better franchise investment, Discovery Point or Pump It Up Holdings?
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Which has a lower SBA default rate, Discovery Point or Pump It Up Holdings?
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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