Garage Living vs Restopros
Garage Living vs Restopros: Garage Living costs $233K to $317K to open; Restopros costs $40K to $350K. Garage Living has 19 units, Restopros has 40. SBA loan history: Garage Living = 18 loans (5.6% default); Restopros = 65 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 Living vs Restopros: 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
Restopros requires the lower minimum capital commitment ($40K vs $233K for Garage Living), a 483% spread. Initial franchise fees come in at $60K for Garage Living versus $30K for Restopros, Restopros has the lower entry fee. Ongoing royalty load is 6.5% for Garage Living and 5% for Restopros, giving Restopros the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Restopros operates 40 units to Garage Living's 19, roughly 2× the system size.
SBA Lending Profile
Restopros has the deeper SBA lending track record, with 65 7(a) approvals compared with 18 for Garage Living. Garage Living's peak SBA year was 2018 (1 loans); Restopros's peak was 2024 (19 loans). Restopros's more recent peak generally indicates fresher lender appetite. Garage Living has the most SBA funded units in VA, with 1. Restopros leads in TX, with 7. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Garage Living deals is $175K vs $186K for Restopros, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 5.6% for Garage Living and 0.0% for Restopros, Restopros has the cleaner SBA loss record by 5.6 points. PeerSense FPI scores come in at 64 (Moderate) for Garage Living and 70 (Strong) for Restopros, giving Restopros the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 64/100 | 70/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 18 | 65 |
SBA Volume | – | – |
Default Rate | 5.6% | 0.0% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $233K to $317K | $40K to $350K |
Franchise Fee | $60K | $30K |
Royalty Rate | 6.5% | 5% |
Ad Fund | 2% | 1% |
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 | 19 | 40 |
Franchised Units | 19 | 40 |
Company Owned | – | – |
Term Length | 5 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | N/A |
Franchising Since | 2015 | 2024 |
Years Franchising | 11 yrs | 2 yrs |
Headquarters | N/A | Leander, TX |
Category | All Other Specialty Trade Contractors | All Other Specialty Trade Contractors |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Garage Living or Restopros?
Lower upfront capital required
Restopros
Garage Living: $233K starting · Restopros: $40K starting
More SBA lender confidence
Restopros
Garage Living: 18 SBA loans · Restopros: 65 SBA loans
Lower SBA default rate
Restopros
Garage Living: 5.6% · Restopros: 0.0%
Larger system & brand presence
Restopros
Garage Living: 19 units · Restopros: 40 units
Lower ongoing royalty load
Restopros
Garage Living: 6.5% · Restopros: 5%
More lender financing options
Restopros
Garage Living: 6 unique lenders · Restopros: 8 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 Garage Living or Restopros?
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
Garage Living vs Restopros: Franchise Funding Comparison
Comparing Garage Living and Restopros is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $40K to $350K.
Garage Living has 18 SBA loans on record and Restopros has 65. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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 Living vs Restopros, Frequently Asked Questions
Which is a better franchise investment, Garage Living or Restopros?
How much does a Garage Living franchise cost compared to Restopros?
Can I finance Garage Living or Restopros with an SBA loan?
Which has a lower SBA default rate, Garage Living or Restopros?
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