Garage Experts vs Prosource Wholesale
Garage Experts vs Prosource Wholesale: Garage Experts costs $25K to $1.0M to open; Prosource Wholesale costs $946K to $962K. Garage Experts has 10 units, Prosource Wholesale has 15. SBA loan history: Garage Experts = 11 loans (0.0% default); Prosource Wholesale = 17 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.
Garage Experts vs Prosource Wholesale: 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
Garage Experts requires the lower minimum capital commitment ($25K vs $946K for Prosource Wholesale), a 97% spread. Initial franchise fees come in at $50K for Garage Experts versus $46K for Prosource Wholesale, Prosource Wholesale has the lower entry fee. Ongoing royalty load is 8% for Garage Experts and 3% for Prosource Wholesale, giving Prosource Wholesale the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Prosource Wholesale operates 15 units to Garage Experts's 10.
SBA Lending Profile
Prosource Wholesale has the deeper SBA lending track record, with 17 7(a) approvals compared with 11 for Garage Experts. Garage Experts's peak SBA year was 2018 (3 loans); Prosource Wholesale's peak was 2022 (2 loans). Prosource Wholesale's more recent peak generally indicates fresher lender appetite. Garage Experts has the most SBA funded units in FL, with 3. Prosource Wholesale leads in WA, 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 Garage Experts deals is $382K vs $868K for Prosource Wholesale, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Garage Experts and 0.0% for Prosource Wholesale. PeerSense FPI scores come in at 54 (Moderate) for Garage Experts and 58 (Moderate) for Prosource Wholesale, giving Prosource Wholesale the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 58/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 11 | 17 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $25K to $1.0M | $946K to $962K |
Franchise Fee | $50K | $46K |
Royalty Rate | 8% | 3% |
Ad Fund | 2% | 1.5% |
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 | 10 | 15 |
Franchised Units | 10 | 15 |
Company Owned | – | – |
Term Length | 5 yrs | 10 yrs |
Brand Information
Year Founded | N/A | 1990 |
Franchising Since | 2008 | 1991 |
Years Franchising | 18 yrs | 35 yrs |
Headquarters | JACKSONVILLE, FL | Earth City, MO |
Category | Flooring Contractors | Flooring Contractors |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Garage Experts or Prosource Wholesale?
Lower upfront capital required
Garage Experts
Garage Experts: $25K starting · Prosource Wholesale: $946K starting
More SBA lender confidence
Prosource Wholesale
Garage Experts: 11 SBA loans · Prosource Wholesale: 17 SBA loans
Lower SBA default rate
Tie
Garage Experts: 0.0% · Prosource Wholesale: 0.0%
Larger system & brand presence
Prosource Wholesale
Garage Experts: 10 units · Prosource Wholesale: 15 units
Lower ongoing royalty load
Prosource Wholesale
Garage Experts: 8% · Prosource Wholesale: 3%
More lender financing options
Prosource Wholesale
Garage Experts: 9 unique lenders · Prosource Wholesale: 14 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
Garage Experts vs Prosource Wholesale: Franchise Funding Comparison
Comparing Garage Experts and Prosource Wholesale is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $1.0M.
Garage Experts has 11 SBA loans on record and Prosource Wholesale has 17. 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.
Garage Experts vs Prosource Wholesale, Frequently Asked Questions
Which is a better franchise investment, Garage Experts or Prosource Wholesale?
How much does a Garage Experts franchise cost compared to Prosource Wholesale?
Can I finance Garage Experts or Prosource Wholesale with an SBA loan?
Which has a lower SBA default rate, Garage Experts or Prosource Wholesale?
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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