N-Hance vs Restoration 1
N-Hance vs Restoration 1: N-Hance costs $71K to $192K to open; Restoration 1 costs $40K to $509K. N-Hance has 255 units, Restoration 1 has 85. SBA loan history: N-Hance = 26 loans (19.2% default); Restoration 1 = 88 loans (6.8% 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.
N-Hance vs Restoration 1: 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
Restoration 1 requires the lower minimum capital commitment ($40K vs $71K for N-Hance), a 79% spread. Initial franchise fees come in at $45K for N-Hance versus $41K for Restoration 1, Restoration 1 has the lower entry fee. Ongoing royalty load is 2% for N-Hance and 3.5% for Restoration 1, giving N-Hance the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, N-Hance operates 255 units to Restoration 1's 85, roughly 3× the system size. N-Hance has been operating 25 years (founded 2001) versus 18 for Restoration 1 (founded 2008), a 7-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Restoration 1 has the deeper SBA lending track record, with 88 7(a) approvals compared with 26 for N-Hance. N-Hance's peak SBA year was 2020 (4 loans); Restoration 1's peak was 2018 (16 loans). N-Hance's more recent peak generally indicates fresher lender appetite. N-Hance has the most SBA funded units in FL, with 3. Restoration 1 leads in CA, with 10. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded N-Hance deals is $239K vs $252K for Restoration 1, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 19.2% for N-Hance and 6.8% for Restoration 1, Restoration 1 has the cleaner SBA loss record by 12.4 points. PeerSense FPI scores come in at 53 (Moderate) for N-Hance and 69 (Strong) for Restoration 1, giving Restoration 1 the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 53/100 | 69/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 26 | 88 |
SBA Volume | – | – |
Default Rate | 19.2% | 6.8% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $71K to $192K | $40K to $509K |
Franchise Fee | $45K | $41K |
Royalty Rate | 2% | 3.5% |
Ad Fund | N/A | 3% |
Liquid Capital | N/A | $100K |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 255 | 85 |
Franchised Units | 255 | 85 |
Company Owned | – | – |
Term Length | 5 yrs | 10 yrs |
Brand Information
Year Founded | 2001 | 2008 |
Franchising Since | 2013 | 1960 |
Years Franchising | 13 yrs | 66 yrs |
Headquarters | Logan, UT | IRVINE, CA |
Category | Residential Remodelers | Residential Remodelers |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, N-Hance or Restoration 1?
Lower upfront capital required
Restoration 1
N-Hance: $71K starting · Restoration 1: $40K starting
More SBA lender confidence
Restoration 1
N-Hance: 26 SBA loans · Restoration 1: 88 SBA loans
Lower SBA default rate
Restoration 1
N-Hance: 19.2% · Restoration 1: 6.8%
Larger system & brand presence
N-Hance
N-Hance: 255 units · Restoration 1: 85 units
Lower ongoing royalty load
N-Hance
N-Hance: 2% · Restoration 1: 3.5%
More lender financing options
Restoration 1
N-Hance: 13 unique lenders · Restoration 1: 27 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
N-Hance vs Restoration 1: Franchise Funding Comparison
Comparing N-Hance and Restoration 1 is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $40K to $509K.
N-Hance has 26 SBA loans on record and Restoration 1 has 88. 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.
N-Hance vs Restoration 1, Frequently Asked Questions
Which is a better franchise investment, N-Hance or Restoration 1?
How much does a N-Hance franchise cost compared to Restoration 1?
Can I finance N-Hance or Restoration 1 with an SBA loan?
Which has a lower SBA default rate, N-Hance or Restoration 1?
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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