Natures Pet Marketearthwise vs Pet Supplies Plus
Natures Pet Marketearthwise vs Pet Supplies Plus: Natures Pet Marketearthwise costs $28K to $332K to open; Pet Supplies Plus costs $350K to $959K. Natures Pet Marketearthwise has 10 units, Pet Supplies Plus has 187. SBA loan history: Natures Pet Marketearthwise = 14 loans (7.1% default); Pet Supplies Plus = 240 loans (2.1% 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.
Natures Pet Marketearthwise vs Pet Supplies Plus: 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
Natures Pet Marketearthwise requires the lower minimum capital commitment ($28K vs $350K for Pet Supplies Plus), a 92% spread.
System Scale & Tenure
On scale, Pet Supplies Plus operates 187 units to Natures Pet Marketearthwise's 10, roughly 19× the system size. Pet Supplies Plus has been operating 38 years (founded 1988) versus 21 for Natures Pet Marketearthwise (founded 2005), a 17-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Pet Supplies Plus has the deeper SBA lending track record, with 240 7(a) approvals compared with 14 for Natures Pet Marketearthwise. Natures Pet Marketearthwise's peak SBA year was 2019 (4 loans); Pet Supplies Plus's peak was 2021 (44 loans). Pet Supplies Plus's more recent peak generally indicates fresher lender appetite. Natures Pet Marketearthwise has the most SBA funded units in WA, with 4. Pet Supplies Plus leads in TX, with 32. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Natures Pet Marketearthwise deals is $327K vs $825K for Pet Supplies Plus, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 7.1% for Natures Pet Marketearthwise and 2.1% for Pet Supplies Plus, Pet Supplies Plus has the cleaner SBA loss record by 5.0 points. PeerSense FPI scores come in at 46 (Fair) for Natures Pet Marketearthwise and 70 (Strong) for Pet Supplies Plus, giving Pet Supplies Plus the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 46/100 | 70/100 |
Health Tier | Fair | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 14 | 240 |
SBA Volume | – | – |
Default Rate | 7.1% | 2.1% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $28K to $332K | $350K to $959K |
Franchise Fee | N/A | $50K |
Royalty Rate | N/A | 2% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | $200K |
Net Worth Required | N/A | $600K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 10 | 187 |
Franchised Units | 10 | 187 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2005 | 1988 |
Franchising Since | N/A | 2022 |
Years Franchising | N/A | 4 yrs |
Headquarters | Woodinville, WA | EDISON, NJ |
Category | Pet | Pet |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Natures Pet Marketearthwise or Pet Supplies Plus?
Lower upfront capital required
Tie
Natures Pet Marketearthwise: $28K starting · Pet Supplies Plus: $350K starting
More SBA lender confidence
Pet Supplies Plus
Natures Pet Marketearthwise: 14 SBA loans · Pet Supplies Plus: 240 SBA loans
Lower SBA default rate
Pet Supplies Plus
Natures Pet Marketearthwise: 7.1% · Pet Supplies Plus: 2.1%
Larger system & brand presence
Tie
Natures Pet Marketearthwise: 10 units · Pet Supplies Plus: 187 units
More lender financing options
Pet Supplies Plus
Natures Pet Marketearthwise: 10 unique lenders · Pet Supplies Plus: 67 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
Natures Pet Marketearthwise vs Pet Supplies Plus: Franchise Funding Comparison
Comparing Natures Pet Marketearthwise and Pet Supplies Plus is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $28K to $959K.
Natures Pet Marketearthwise has 14 SBA loans on record and Pet Supplies Plus has 240. 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.
Natures Pet Marketearthwise vs Pet Supplies Plus, Frequently Asked Questions
Which is a better franchise investment, Natures Pet Marketearthwise or Pet Supplies Plus?
How much does a Natures Pet Marketearthwise franchise cost compared to Pet Supplies Plus?
Can I finance Natures Pet Marketearthwise or Pet Supplies Plus with an SBA loan?
Which has a lower SBA default rate, Natures Pet Marketearthwise or Pet Supplies Plus?
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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