Endurance House International vs Golf U.s.a. (Retail Golf Equip
Endurance House International vs Golf U.s.a. (Retail Golf Equip: Endurance House International costs $445K to $631K to open; Golf U.s.a. (Retail Golf Equip costs $89K to $247K. Endurance House International has 11 units, Golf U.s.a. (Retail Golf Equip has 69. SBA loan history: Endurance House International = 12 loans (16.7% default); Golf U.s.a. (Retail Golf Equip = 119 loans (39.5% 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.
Endurance House International vs Golf U.s.a. (Retail Golf Equip: 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
Golf U.s.a. (Retail Golf Equip requires the lower minimum capital commitment ($89K vs $445K for Endurance House International), a 403% spread. Initial franchise fees come in at $34K for Endurance House International versus $34K for Golf U.s.a. (Retail Golf Equip.
System Scale & Tenure
On scale, Golf U.s.a. (Retail Golf Equip operates 69 units to Endurance House International's 11, roughly 6× the system size. Endurance House International has been operating 66 years (founded 1960) versus 28 for Golf U.s.a. (Retail Golf Equip (founded 1998), a 38-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Golf U.s.a. (Retail Golf Equip has the deeper SBA lending track record, with 119 7(a) approvals compared with 12 for Endurance House International.
Risk Signal
SBA default rates are 16.7% for Endurance House International and 39.5% for Golf U.s.a. (Retail Golf Equip, Endurance House International has the cleaner SBA loss record by 22.8 points. PeerSense FPI scores come in at 31 (Fair) for Endurance House International and 24 (Fair) for Golf U.s.a. (Retail Golf Equip, giving Endurance House International the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 31/100 | 24/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 119 |
SBA Volume | – | – |
Default Rate | 16.7% | 39.5% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $445K to $631K | $89K to $247K |
Franchise Fee | $34K | $34K |
Royalty Rate | 3.5% | N/A |
Ad Fund | 1% | N/A |
Liquid Capital | N/A | $100K |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 11 | 69 |
Franchised Units | 11 | 69 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | 1960 | 1998 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Middleton, WI | ABILENE, TX |
Category | Sporting Goods Stores | Sporting Goods Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Endurance House International or Golf U.s.a. (Retail Golf Equip?
Lower upfront capital required
Tie
Endurance House International: $445K starting · Golf U.s.a. (Retail Golf Equip: $89K starting
More SBA lender confidence
Golf U.s.a. (Retail Golf Equip
Endurance House International: 12 SBA loans · Golf U.s.a. (Retail Golf Equip: 119 SBA loans
Lower SBA default rate
Endurance House International
Endurance House International: 16.7% · Golf U.s.a. (Retail Golf Equip: 39.5%
Larger system & brand presence
Tie
Endurance House International: 11 units · Golf U.s.a. (Retail Golf Equip: 69 units
More lender financing options
Golf U.s.a. (Retail Golf Equip
Endurance House International: 5 unique lenders · Golf U.s.a. (Retail Golf Equip: 73 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.
Need Funding for Endurance House International or Golf U.s.a. (Retail Golf Equip?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Endurance House International vs Golf U.s.a. (Retail Golf Equip: Franchise Funding Comparison
Comparing Endurance House International and Golf U.s.a. (Retail Golf Equip is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $89K to $631K.
Endurance House International has 12 SBA loans on record and Golf U.s.a. (Retail Golf Equip has 119. 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.
Endurance House International vs Golf U.s.a. (Retail Golf Equip, Frequently Asked Questions
Which is a better franchise investment, Endurance House International or Golf U.s.a. (Retail Golf Equip?
How much does a Endurance House International franchise cost compared to Golf U.s.a. (Retail Golf Equip?
Can I finance Endurance House International or Golf U.s.a. (Retail Golf Equip with an SBA loan?
Which has a lower SBA default rate, Endurance House International or Golf U.s.a. (Retail Golf Equip?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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