Which has more SBA loans, Hallmark Card Shop or Partyland (Retail Party Goods)?

Hallmark Card Shop has 73 SBA 7(a) historical approvals; Partyland (Retail Party Goods) has 52. Hallmark Card Shop has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Hallmark Card Shop vs Partyland (Retail Party Goods) SBA loans?

Hallmark Card Shop's SBA default rate is 8.2%, versus 42.3% for Partyland (Retail Party Goods). Hallmark Card Shop has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Hallmark Card Shop and Partyland (Retail Party Goods) peak in SBA lending volume?

Hallmark Card Shop's SBA approval peak was 1995 with 12 loans; Partyland (Retail Party Goods)'s peak was 1996 with 8. A more recent peak (currently Partyland (Retail Party Goods)) generally indicates fresher lender appetite and easier financing today.

Which states have the most Hallmark Card Shop and Partyland (Retail Party Goods) SBA loans?

Hallmark Card Shop leads in TX with 8 SBA-funded units; Partyland (Retail Party Goods) leads in CA with 9. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Hallmark Card Shop vs Partyland (Retail Party Goods)

Q: Which is a better franchise investment, Hallmark Card Shop or Partyland (Retail Party Goods)?

Hallmark Card Shop vs Partyland (Retail Party Goods): compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Hallmark Card Shop franchise cost compared to Partyland (Retail Party Goods)?

Hallmark Card Shop requires a total initial investment of $41K to $360K while Partyland (Retail Party Goods) requires $87K to $237K. Hallmark Card Shop has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Hallmark Card Shop vs Partyland (Retail Party Goods): Hallmark Card Shop costs $41K to $360K to open; Partyland (Retail Party Goods) costs $87K to $237K. Hallmark Card Shop has 63 units, Partyland (Retail Party Goods) has 31. SBA loan history: Hallmark Card Shop = 73 loans (8.2% default); Partyland (Retail Party Goods) = 52 loans (42.3% 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.

Hallmark Card Shop vs Partyland (Retail Party Goods): 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

Hallmark Card Shop requires the lower minimum capital commitment ($41K vs $87K for Partyland (Retail Party Goods)), a 53% spread.

System Scale & Tenure

On scale, Hallmark Card Shop operates 63 units to Partyland (Retail Party Goods)'s 31, roughly 2× the system size. Hallmark Card Shop has been operating 116 years (founded 1910) versus 27 for Partyland (Retail Party Goods) (founded 1999), a 89-year tenure gap that affects unit-economics maturity and FDD revision history.

SBA Lending Profile

Hallmark Card Shop has the deeper SBA lending track record, with 73 7(a) approvals compared with 52 for Partyland (Retail Party Goods). Hallmark Card Shop's peak SBA year was 1995 (12 loans); Partyland (Retail Party Goods)'s peak was 1996 (8 loans). Partyland (Retail Party Goods)'s more recent peak generally indicates fresher lender appetite. Hallmark Card Shop has the most SBA funded units in TX, with 8. Partyland (Retail Party Goods) leads in CA, with 9. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Hallmark Card Shop deals is $167K vs $194K for Partyland (Retail Party Goods), useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 8.2% for Hallmark Card Shop and 42.3% for Partyland (Retail Party Goods), Hallmark Card Shop has the cleaner SBA loss record by 34.1 points. PeerSense FPI scores come in at 36 (Fair) for Hallmark Card Shop and 23 (Fair) for Partyland (Retail Party Goods), giving Hallmark Card Shop the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Hallmark Card Shop

Gift, Novelty,

36 7W

Partyland (Retail Party Goods)

Gift, Novelty,

Health & Performance

FPI Score	36/100	23/100
Health Tier	Fair	Limited
Confidence	N/A	N/A
Lending Trend	Declining	Declining

SBA Lending

SBA Loans	73	52
SBA Volume	–	–
Default Rate	8.2%	42.3%
Peer Tier	established	established

Investment & Costs

Total Investment	$41K to $360K	$87K to $237K
Franchise Fee	$47K	N/A
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

System Size & Operations

Total Units	63	31
Franchised Units	63	31
Company Owned	–	–
Term Length	N/A	N/A

Brand Information

Year Founded	1910	1999
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	DALLAS, TX	CORONA, CA
Category	Gift, Novelty,	Gift, Novelty,
Website	annieshallmark.com	partyland.com/franchise
FDD Year	N/A	N/A

Which Is Better, Hallmark Card Shop or Partyland (Retail Party Goods)?

Lower upfront capital required

Tie

Hallmark Card Shop: $41K starting · Partyland (Retail Party Goods): $87K starting

More SBA lender confidence

Hallmark Card Shop

Hallmark Card Shop: 73 SBA loans · Partyland (Retail Party Goods): 52 SBA loans

Lower SBA default rate

Hallmark Card Shop

Hallmark Card Shop: 8.2% · Partyland (Retail Party Goods): 42.3%

Larger system & brand presence

Tie

Hallmark Card Shop: 63 units · Partyland (Retail Party Goods): 31 units

More lender financing options

Hallmark Card Shop

Hallmark Card Shop: 47 unique lenders · Partyland (Retail Party Goods): 28 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.

Franchise Financing

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About These Franchises

Hallmark Card Shop

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Partyland (Retail Party Goods)

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Hallmark Card Shop vs Partyland (Retail Party Goods): Franchise Funding Comparison

Comparing Hallmark Card Shop and Partyland (Retail Party Goods) is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $41K to $360K.

Hallmark Card Shop has 73 SBA loans on record and Partyland (Retail Party Goods) has 52. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Hallmark Card Shop vs Partyland (Retail Party Goods), Frequently Asked Questions

Which is a better franchise investment, Hallmark Card Shop or Partyland (Retail Party Goods)?

Compare Hallmark Card Shop vs Partyland (Retail Party Goods) franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Hallmark Card Shop franchise cost compared to Partyland (Retail Party Goods)?

Hallmark Card Shop requires $41K to $360K in total initial investment with a $47K franchise fee. Partyland (Retail Party Goods) requires $87K to $237K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Hallmark Card Shop or Partyland (Retail Party Goods) with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Hallmark Card Shop has 73 SBA loans on record; Partyland (Retail Party Goods) has 52. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Hallmark Card Shop or Partyland (Retail Party Goods)?

Hallmark Card Shop: 8.2% SBA default rate. Partyland (Retail Party Goods): 42.3% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Hallmark Card Shop to other franchises Compare Partyland (Retail Party Goods) to other franchises Browse all Gift, Novelty, franchises

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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; it does not lend, fund, or approve loans, and 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 October 2, 2026LinkedIn profile About Edward Freeman