Hallmark Card Shop vs Paper Warehouse (Party Supplie
Hallmark Card Shop vs Paper Warehouse (Party Supplie: Hallmark Card Shop costs $41K–$360K to open; Paper Warehouse (Party Supplie costs $72K–$249K. Hallmark Card Shop has 63 units, Paper Warehouse (Party Supplie has 20. SBA loan history: Hallmark Card Shop = 73 loans (8.2% default); Paper Warehouse (Party Supplie = 23 loans (13.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Hallmark Card Shop vs Paper Warehouse (Party Supplie: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Hallmark Card Shop requires the lower minimum capital commitment ($41K vs $72K for Paper Warehouse (Party Supplie), a 43% spread. Initial franchise fees come in at $47K for Hallmark Card Shop versus $72K for Paper Warehouse (Party Supplie, Hallmark Card Shop has the lower entry fee.
System Scale & Tenure
On scale, Hallmark Card Shop operates 63 units to Paper Warehouse (Party Supplie's 20, roughly 3× the system size.
SBA Lending Profile
Hallmark Card Shop has the deeper SBA lending track record with 73 historical 7(a) approvals versus 23 for Paper Warehouse (Party Supplie. Hallmark Card Shop's peak SBA year was 1995 (12 loans); Paper Warehouse (Party Supplie's peak was 1995 (5 loans). Paper Warehouse (Party Supplie's more recent peak generally indicates fresher lender appetite. Both systems concentrate 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 Hallmark Card Shop deals is $167K vs $173K for Paper Warehouse (Party Supplie, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 8.2% for Hallmark Card Shop and 13.0% for Paper Warehouse (Party Supplie, Hallmark Card Shop has the cleaner historical loss profile by 4.8 points. PeerSense FPI scores come in at 36 (Fair) for Hallmark Card Shop and 33 (Fair) for Paper Warehouse (Party Supplie, giving Hallmark Card Shop the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 36/100 | 33/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 73 | 23 |
SBA Volume | – | – |
Default Rate | 8.2% | 13.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $41K – $360K | $72K – $249K |
Franchise Fee | $47K | $72K |
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 | 63 | 20 |
Franchised Units | 63 | 20 |
Company-Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1910 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | DALLAS, TX | HOUSTON, TX |
Category | Gift, Novelty, | Gift, Novelty, |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Hallmark Card Shop or Paper Warehouse (Party Supplie?
Lower upfront capital required
Hallmark Card Shop
Hallmark Card Shop: $41K starting · Paper Warehouse (Party Supplie: $72K starting
More SBA lender confidence
Hallmark Card Shop
Hallmark Card Shop: 73 SBA loans · Paper Warehouse (Party Supplie: 23 SBA loans
Lower historical default rate
Hallmark Card Shop
Hallmark Card Shop: 8.2% · Paper Warehouse (Party Supplie: 13.0%
Larger system & brand presence
Hallmark Card Shop
Hallmark Card Shop: 63 units · Paper Warehouse (Party Supplie: 20 units
More lender financing options
Hallmark Card Shop
Hallmark Card Shop: 47 unique lenders · Paper Warehouse (Party Supplie: 19 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
Hallmark Card Shop vs Paper Warehouse (Party Supplie: Franchise Funding Comparison
Comparing Hallmark Card Shop and Paper Warehouse (Party Supplie is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $41K to $360K.
Both brands have active SBA lending histories, Hallmark Card Shop with 73 SBA loans and Paper Warehouse (Party Supplie with 23. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
Hallmark Card Shop vs Paper Warehouse (Party Supplie, Frequently Asked Questions
Which is a better franchise investment, Hallmark Card Shop or Paper Warehouse (Party Supplie?
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Which has a lower SBA default rate, Hallmark Card Shop or Paper Warehouse (Party Supplie?
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