Floyds 99 Barbershop vs Vs Barbershop
Floyds 99 Barbershop vs Vs Barbershop: Floyds 99 Barbershop costs $385K to $1.3M to open; Vs Barbershop costs $163K to $369K. Floyds 99 Barbershop has 12 units, Vs Barbershop has 10. SBA loan history: Floyds 99 Barbershop = 12 loans (0.0% default); Vs Barbershop = 10 loans (0.0% 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.
Floyds 99 Barbershop vs Vs Barbershop: 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
Vs Barbershop requires the lower minimum capital commitment ($163K vs $385K for Floyds 99 Barbershop), a 136% spread. Initial franchise fees come in at $50K for Floyds 99 Barbershop versus $40K for Vs Barbershop, Vs Barbershop has the lower entry fee. Ongoing royalty load is 6% for Floyds 99 Barbershop and 6% for Vs Barbershop, equal royalty drag.
System Scale & Tenure
On scale, Floyds 99 Barbershop operates 12 units to Vs Barbershop's 10. Floyds 99 Barbershop has been operating 27 years (founded 1999) versus 21 for Vs Barbershop (founded 2005), a 6-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Floyds 99 Barbershop has the deeper SBA lending track record, with 12 7(a) approvals compared with 10 for Vs Barbershop. Floyds 99 Barbershop's peak SBA year was 2025 (4 loans); Vs Barbershop's peak was 2018 (3 loans). Floyds 99 Barbershop's more recent peak generally indicates fresher lender appetite. Floyds 99 Barbershop has the most SBA funded units in CO, with 3. Vs Barbershop leads in TX, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Floyds 99 Barbershop deals is $634K vs $272K for Vs Barbershop, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Floyds 99 Barbershop and 0.0% for Vs Barbershop. PeerSense FPI scores come in at 60 (Moderate) for Floyds 99 Barbershop and 55 (Moderate) for Vs Barbershop, giving Floyds 99 Barbershop the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 60/100 | 55/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 12 | 10 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $385K to $1.3M | $163K to $369K |
Franchise Fee | $50K | $40K |
Royalty Rate | 6% | 6% |
Ad Fund | 6.5% | 3% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 12 | 10 |
Franchised Units | 12 | 10 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1999 | 2005 |
Franchising Since | 2005 | 2024 |
Years Franchising | 21 yrs | 2 yrs |
Headquarters | Boulder, CO | Phoenix, AZ |
Category | Barber Shops | Barber Shops |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Floyds 99 Barbershop or Vs Barbershop?
Lower upfront capital required
Vs Barbershop
Floyds 99 Barbershop: $385K starting · Vs Barbershop: $163K starting
More SBA lender confidence
Floyds 99 Barbershop
Floyds 99 Barbershop: 12 SBA loans · Vs Barbershop: 10 SBA loans
Lower SBA default rate
Tie
Floyds 99 Barbershop: 0.0% · Vs Barbershop: 0.0%
Larger system & brand presence
Floyds 99 Barbershop
Floyds 99 Barbershop: 12 units · Vs Barbershop: 10 units
Lower ongoing royalty load
Tie
Floyds 99 Barbershop: 6% · Vs Barbershop: 6%
More lender financing options
Vs Barbershop
Floyds 99 Barbershop: 4 unique lenders · Vs Barbershop: 7 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 Floyds 99 Barbershop or Vs Barbershop?
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
Floyds 99 Barbershop vs Vs Barbershop: Franchise Funding Comparison
Comparing Floyds 99 Barbershop and Vs Barbershop is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $163K to $1.3M.
Floyds 99 Barbershop has 12 SBA loans on record and Vs Barbershop has 10. 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.
Floyds 99 Barbershop vs Vs Barbershop, Frequently Asked Questions
Which is a better franchise investment, Floyds 99 Barbershop or Vs Barbershop?
How much does a Floyds 99 Barbershop franchise cost compared to Vs Barbershop?
Can I finance Floyds 99 Barbershop or Vs Barbershop with an SBA loan?
Which has a lower SBA default rate, Floyds 99 Barbershop or Vs Barbershop?
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