Health Mart vs Huddle House
Health Mart vs Huddle House: Health Mart costs $150K to $442K to open; Huddle House costs $95K to $707K. Health Mart has 133 units, Huddle House has 95. SBA loan history: Health Mart = 148 loans (3.4% default); Huddle House = 134 loans (20.9% 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.
Health Mart vs Huddle House: 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
Huddle House requires the lower minimum capital commitment ($95K vs $150K for Health Mart), a 58% spread. Initial franchise fees come in at $60K for Health Mart versus $69K for Huddle House, Health Mart has the lower entry fee.
System Scale & Tenure
On scale, Health Mart operates 133 units to Huddle House's 95. Huddle House has been operating 62 years (founded 1964) versus 20 for Health Mart (founded 2006), a 42-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Health Mart has the deeper SBA lending track record, with 148 7(a) approvals compared with 134 for Huddle House. Health Mart's peak SBA year was 2020 (19 loans); Huddle House's peak was 2008 (10 loans). Health Mart's more recent peak generally indicates fresher lender appetite. Health Mart has the most SBA funded units in CA, with 16. Huddle House leads in GA, with 36. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Health Mart deals is $686K vs $409K for Huddle House, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 3.4% for Health Mart and 20.9% for Huddle House, Health Mart has the cleaner SBA loss record by 17.5 points. PeerSense FPI scores come in at 52 (Moderate) for Health Mart and 39 (Fair) for Huddle House, giving Health Mart the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 52/100 | 39/100 |
Health Tier | Moderate | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 148 | 134 |
SBA Volume | – | – |
Default Rate | 3.4% | 20.9% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $150K to $442K | $95K to $707K |
Franchise Fee | $60K | $69K |
Royalty Rate | N/A | 4% |
Ad Fund | N/A | 2% |
Liquid Capital | $150K | $100K |
Net Worth Required | $400K | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 133 | 95 |
Franchised Units | 133 | 95 |
Company Owned | – | – |
Term Length | N/A | 5 yrs |
Brand Information
Year Founded | 2006 | 1964 |
Franchising Since | 1960 | 1966 |
Years Franchising | 66 yrs | 60 yrs |
Headquarters | N/A | GROVETOWN, GA |
Category | Full-Service Restaurants | Full-Service Restaurants |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Health Mart or Huddle House?
Lower upfront capital required
Tie
Health Mart: $150K starting · Huddle House: $95K starting
More SBA lender confidence
Health Mart
Health Mart: 148 SBA loans · Huddle House: 134 SBA loans
Lower SBA default rate
Health Mart
Health Mart: 3.4% · Huddle House: 20.9%
Larger system & brand presence
Tie
Health Mart: 133 units · Huddle House: 95 units
More lender financing options
Huddle House
Health Mart: 51 unique lenders · Huddle House: 68 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
Health Mart vs Huddle House: Franchise Funding Comparison
Comparing Health Mart and Huddle House is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $95K to $707K.
Health Mart has 148 SBA loans on record and Huddle House has 134. 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.
Health Mart vs Huddle House, Frequently Asked Questions
Which is a better franchise investment, Health Mart or Huddle House?
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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