Maaco vs Ubreakifix
Maaco vs Ubreakifix: Maaco costs $100K–$1.4M to open; Ubreakifix costs $50K–$255K. Maaco has 467 units, Ubreakifix has 53. SBA loan history: Maaco = 608 loans (12.5% default); Ubreakifix = 62 loans (0.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Maaco vs Ubreakifix: 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
Ubreakifix requires the lower minimum capital commitment ($50K vs $100K for Maaco), a 100% spread. Initial franchise fees come in at $47K for Maaco versus $51K for Ubreakifix, Maaco has the lower entry fee.
System Scale & Tenure
On scale, Maaco operates 467 units to Ubreakifix's 53, roughly 9× the system size. Maaco has been operating 54 years (founded 1972) versus 17 for Ubreakifix (founded 2009), a 37-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Maaco has the deeper SBA lending track record with 608 historical 7(a) approvals versus 62 for Ubreakifix. Maaco's peak SBA year was 1997 (46 loans); Ubreakifix's peak was 2018 (13 loans). Ubreakifix's more recent peak generally indicates fresher lender appetite. Geographically, Maaco concentrates in CA (69 SBA-funded units) while Ubreakifix leads in FL (9). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Maaco deals is $370K vs $154K for Ubreakifix, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 12.5% for Maaco and 0.0% for Ubreakifix, Ubreakifix has the cleaner historical loss profile by 12.5 points. PeerSense FPI scores come in at 52 (Moderate) for Maaco and 56 (Moderate) for Ubreakifix, giving Ubreakifix the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 52/100 | 56/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 608 | 62 |
SBA Volume | – | – |
Default Rate | 12.5% | 0.0% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $100K – $1.4M | $50K – $255K |
Franchise Fee | $47K | $51K |
Royalty Rate | 4% | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | $150K | 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 | 467 | 53 |
Franchised Units | 467 | 53 |
Company-Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1972 | 2009 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LAKEWOOD, NJ | ALTAMONTE SPRINGS, FL |
Category | Automotive Body, Paint, | Automotive Body, Paint, |
Website | ||
FDD Year | N/A | 2021 |
Which Is Better, Maaco or Ubreakifix?
Lower upfront capital required
Ubreakifix
Maaco: $100K starting · Ubreakifix: $50K starting
More SBA lender confidence
Maaco
Maaco: 608 SBA loans · Ubreakifix: 62 SBA loans
Lower historical default rate
Ubreakifix
Maaco: 12.5% · Ubreakifix: 0.0%
Larger system & brand presence
Maaco
Maaco: 467 units · Ubreakifix: 53 units
More lender financing options
Maaco
Maaco: 188 unique lenders · Ubreakifix: 31 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
Maaco vs Ubreakifix: Franchise Funding Comparison
Comparing Maaco and Ubreakifix is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $1.4M.
Both brands have active SBA lending histories, Maaco with 608 SBA loans and Ubreakifix with 62. 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.
Maaco vs Ubreakifix, Frequently Asked Questions
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