Floor Covering International vs Floor Coverings
Floor Covering International vs Floor Coverings: Floor Covering International costs $19K to $101K to open; Floor Coverings costs $40K to $300K. Floor Covering International has 16 units, Floor Coverings has 134. SBA loan history: Floor Covering International = 20 loans (20.0% default); Floor Coverings = 156 loans (6.4% 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.
Floor Covering International vs Floor Coverings: 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
Floor Covering International requires the lower minimum capital commitment ($19K vs $40K for Floor Coverings), a 53% spread. Initial franchise fees come in at $20K for Floor Covering International versus $30K for Floor Coverings, Floor Covering International has the lower entry fee.
System Scale & Tenure
On scale, Floor Coverings operates 134 units to Floor Covering International's 16, roughly 8× the system size.
SBA Lending Profile
Floor Coverings has the deeper SBA lending track record, with 156 7(a) approvals compared with 20 for Floor Covering International. Floor Covering International's peak SBA year was 1995 (7 loans); Floor Coverings's peak was 2024 (28 loans). Floor Coverings's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Floor Covering International deals is $57K vs $175K for Floor Coverings, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 20.0% for Floor Covering International and 6.4% for Floor Coverings, Floor Coverings has the cleaner SBA loss record by 13.6 points. PeerSense FPI scores come in at 26 (Fair) for Floor Covering International and 80 (Excellent) for Floor Coverings, giving Floor Coverings the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 26/100 | 80/100 |
Health Tier | Limited | Excellent |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 20 | 156 |
SBA Volume | – | – |
Default Rate | 20.0% | 6.4% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $19K to $101K | $40K to $300K |
Franchise Fee | $20K | $30K |
Royalty Rate | N/A | 5% |
Ad Fund | N/A | 3% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | $200K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 16 | 134 |
Franchised Units | 16 | 134 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 1988 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | DALLLAS, TX | STAFFORD, TX |
Category | Flooring Contractors | Flooring Contractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Floor Covering International or Floor Coverings?
Lower upfront capital required
Tie
Floor Covering International: $19K starting · Floor Coverings: $40K starting
More SBA lender confidence
Floor Coverings
Floor Covering International: 20 SBA loans · Floor Coverings: 156 SBA loans
Lower SBA default rate
Floor Coverings
Floor Covering International: 20.0% · Floor Coverings: 6.4%
Larger system & brand presence
Tie
Floor Covering International: 16 units · Floor Coverings: 134 units
More lender financing options
Floor Coverings
Floor Covering International: 18 unique lenders · Floor Coverings: 35 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
Floor Covering International vs Floor Coverings: Franchise Funding Comparison
Comparing Floor Covering International and Floor Coverings is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $19K to $300K.
Floor Covering International has 20 SBA loans on record and Floor Coverings has 156. 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.
Floor Covering International vs Floor Coverings, Frequently Asked Questions
Which is a better franchise investment, Floor Covering International or Floor Coverings?
How much does a Floor Covering International franchise cost compared to Floor Coverings?
Can I finance Floor Covering International or Floor Coverings with an SBA loan?
Which has a lower SBA default rate, Floor Covering International or Floor Coverings?
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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