Flooring America Member Agre vs Nationwide Floor & Window Cove
Flooring America Member Agre vs Nationwide Floor & Window Cove: Flooring America Member Agre costs $231K to $1.9M to open; Nationwide Floor & Window Cove costs $25K to $127K. Flooring America Member Agre has 8 units, Nationwide Floor & Window Cove has 16. SBA loan history: Flooring America Member Agre = 8 loans (0.0% default); Nationwide Floor & Window Cove = 25 loans (24.0% 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.
Flooring America Member Agre vs Nationwide Floor & Window Cove: 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
Nationwide Floor & Window Cove requires the lower minimum capital commitment ($25K vs $231K for Flooring America Member Agre), a 825% spread.
System Scale & Tenure
On scale, Nationwide Floor & Window Cove operates 16 units to Flooring America Member Agre's 8.
SBA Lending Profile
Nationwide Floor & Window Cove has the deeper SBA lending track record, with 25 7(a) approvals compared with 8 for Flooring America Member Agre. Flooring America Member Agre's peak SBA year was 2022 (3 loans); Nationwide Floor & Window Cove's peak was 2004 (6 loans). Flooring America Member Agre's more recent peak generally indicates fresher lender appetite. Flooring America Member Agre has the most SBA funded units in CA, with 3. Nationwide Floor & Window Cove leads in KS, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Flooring America Member Agre deals is $932K vs $76K for Nationwide Floor & Window Cove, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Flooring America Member Agre and 24.0% for Nationwide Floor & Window Cove, Flooring America Member Agre has the cleaner SBA loss record by 24.0 points. PeerSense FPI scores come in at 55 (Moderate) for Flooring America Member Agre and 26 (Fair) for Nationwide Floor & Window Cove, giving Flooring America Member Agre the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 55/100 | 26/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 25 |
SBA Volume | – | – |
Default Rate | 0.0% | 24.0% |
Peer Tier | emerging | established |
Investment & Costs
Total Investment | $231K to $1.9M | $25K to $127K |
Franchise Fee | N/A | $30K |
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 | Not Disclosed |
System Size & Operations
Total Units | 8 | 16 |
Franchised Units | 8 | 16 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1989 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Atwater, CA | OVERLAND PARK, KS |
Category | Floor Covering Stores | Floor Covering Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Flooring America Member Agre or Nationwide Floor & Window Cove?
Lower upfront capital required
Tie
Flooring America Member Agre: $231K starting · Nationwide Floor & Window Cove: $25K starting
More SBA lender confidence
Nationwide Floor & Window Cove
Flooring America Member Agre: 8 SBA loans · Nationwide Floor & Window Cove: 25 SBA loans
Lower SBA default rate
Flooring America Member Agre
Flooring America Member Agre: 0.0% · Nationwide Floor & Window Cove: 24.0%
Larger system & brand presence
Tie
Flooring America Member Agre: 8 units · Nationwide Floor & Window Cove: 16 units
More lender financing options
Nationwide Floor & Window Cove
Flooring America Member Agre: 7 unique lenders · Nationwide Floor & Window Cove: 15 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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Flooring America Member Agre vs Nationwide Floor & Window Cove: Franchise Funding Comparison
Comparing Flooring America Member Agre and Nationwide Floor & Window Cove is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $1.9M.
Flooring America Member Agre has 8 SBA loans on record and Nationwide Floor & Window Cove has 25. 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.
Flooring America Member Agre vs Nationwide Floor & Window Cove, Frequently Asked Questions
Which is a better franchise investment, Flooring America Member Agre or Nationwide Floor & Window Cove?
How much does a Flooring America Member Agre franchise cost compared to Nationwide Floor & Window Cove?
Can I finance Flooring America Member Agre or Nationwide Floor & Window Cove with an SBA loan?
Which has a lower SBA default rate, Flooring America Member Agre or Nationwide Floor & Window Cove?
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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