Hand And Stone Massage And Facial Spa vs Oxi Fresh Carpet Cleaning
Hand And Stone Massage And Facial Spa vs Oxi Fresh Carpet Cleaning: Hand And Stone Massage And Facial Spa costs $100K to $153K to open; Oxi Fresh Carpet Cleaning costs $68K to $150K. Hand And Stone Massage And Facial Spa has 101 units, Oxi Fresh Carpet Cleaning has 52. SBA loan history: Hand And Stone Massage And Facial Spa = 120 loans (0.8% default); Oxi Fresh Carpet Cleaning = 61 loans (11.5% 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.
Hand And Stone Massage And Facial Spa vs Oxi Fresh Carpet Cleaning: 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
Oxi Fresh Carpet Cleaning requires the lower minimum capital commitment ($68K vs $100K for Hand And Stone Massage And Facial Spa), a 47% spread. Initial franchise fees come in at $50K for Hand And Stone Massage And Facial Spa versus $69K for Oxi Fresh Carpet Cleaning, Hand And Stone Massage And Facial Spa has the lower entry fee. Ongoing royalty load is 6% for Hand And Stone Massage And Facial Spa and 6% for Oxi Fresh Carpet Cleaning, equal royalty drag.
System Scale & Tenure
On scale, Hand And Stone Massage And Facial Spa operates 101 units to Oxi Fresh Carpet Cleaning's 52. Hand And Stone Massage And Facial Spa has been operating 22 years (founded 2004) versus 15 for Oxi Fresh Carpet Cleaning (founded 2011), a 7-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Hand And Stone Massage And Facial Spa has the deeper SBA lending track record, with 120 7(a) approvals compared with 61 for Oxi Fresh Carpet Cleaning.
Risk Signal
SBA default rates are 0.8% for Hand And Stone Massage And Facial Spa and 11.5% for Oxi Fresh Carpet Cleaning, Hand And Stone Massage And Facial Spa has the cleaner SBA loss record by 10.7 points. PeerSense FPI scores come in at 59 (Moderate) for Hand And Stone Massage And Facial Spa and 54 (Moderate) for Oxi Fresh Carpet Cleaning, giving Hand And Stone Massage And Facial Spa the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 54/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 120 | 61 |
SBA Volume | – | – |
Default Rate | 0.8% | 11.5% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $100K to $153K | $68K to $150K |
Franchise Fee | $50K | $69K |
Royalty Rate | 6% | 6% |
Ad Fund | N/A | 2% |
Liquid Capital | $150K | N/A |
Net Worth Required | $750K | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 101 | 52 |
Franchised Units | 101 | 52 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2004 | 2011 |
Franchising Since | 1960 | 2018 |
Years Franchising | 66 yrs | 8 yrs |
Headquarters | N/A | FL |
Category | All Other Personal Services | All Other Personal Services |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, Hand And Stone Massage And Facial Spa or Oxi Fresh Carpet Cleaning?
Lower upfront capital required
Oxi Fresh Carpet Cleaning
Hand And Stone Massage And Facial Spa: $100K starting · Oxi Fresh Carpet Cleaning: $68K starting
More SBA lender confidence
Hand And Stone Massage And Facial Spa
Hand And Stone Massage And Facial Spa: 120 SBA loans · Oxi Fresh Carpet Cleaning: 61 SBA loans
Lower SBA default rate
Hand And Stone Massage And Facial Spa
Hand And Stone Massage And Facial Spa: 0.8% · Oxi Fresh Carpet Cleaning: 11.5%
Larger system & brand presence
Hand And Stone Massage And Facial Spa
Hand And Stone Massage And Facial Spa: 101 units · Oxi Fresh Carpet Cleaning: 52 units
Lower ongoing royalty load
Tie
Hand And Stone Massage And Facial Spa: 6% · Oxi Fresh Carpet Cleaning: 6%
More lender financing options
Hand And Stone Massage And Facial Spa
Hand And Stone Massage And Facial Spa: 56 unique lenders · Oxi Fresh Carpet Cleaning: 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.
Need Funding for Hand And Stone Massage And Facial Spa or Oxi Fresh Carpet Cleaning?
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
Hand And Stone Massage And Facial Spa vs Oxi Fresh Carpet Cleaning: Franchise Funding Comparison
Comparing Hand And Stone Massage And Facial Spa and Oxi Fresh Carpet Cleaning is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $68K to $153K.
Hand And Stone Massage And Facial Spa has 120 SBA loans on record and Oxi Fresh Carpet Cleaning has 61. 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.
Hand And Stone Massage And Facial Spa vs Oxi Fresh Carpet Cleaning, Frequently Asked Questions
Which is a better franchise investment, Hand And Stone Massage And Facial Spa or Oxi Fresh Carpet Cleaning?
How much does a Hand And Stone Massage And Facial Spa franchise cost compared to Oxi Fresh Carpet Cleaning?
Can I finance Hand And Stone Massage And Facial Spa or Oxi Fresh Carpet Cleaning with an SBA loan?
Which has a lower SBA default rate, Hand And Stone Massage And Facial Spa or Oxi Fresh Carpet Cleaning?
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; 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 LinkedIn profileAbout Edward Freeman