Paper Warehouse (Party Supplie vs Party America
Paper Warehouse (Party Supplie vs Party America: Paper Warehouse (Party Supplie costs $72K to $249K to open; Party America costs $46K to $362K. Paper Warehouse (Party Supplie has 20 units, Party America has 5. SBA loan history: Paper Warehouse (Party Supplie = 23 loans (13.0% default); Party America = 8 loans (25.0% 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.
Paper Warehouse (Party Supplie vs Party America: 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
Party America requires the lower minimum capital commitment ($46K vs $72K for Paper Warehouse (Party Supplie), a 59% spread.
System Scale & Tenure
On scale, Paper Warehouse (Party Supplie operates 20 units to Party America's 5, roughly 4× the system size.
SBA Lending Profile
Paper Warehouse (Party Supplie has the deeper SBA lending track record, with 23 7(a) approvals compared with 8 for Party America. Paper Warehouse (Party Supplie's peak SBA year was 1995 (5 loans); Party America's peak was 2008 (2 loans). Party America's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Paper Warehouse (Party Supplie deals is $173K vs $237K for Party America, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for Paper Warehouse (Party Supplie and 25.0% for Party America, Paper Warehouse (Party Supplie has the cleaner SBA loss record by 12.0 points. PeerSense FPI scores come in at 33 (Fair) for Paper Warehouse (Party Supplie and 18 (Fair) for Party America, giving Paper Warehouse (Party Supplie the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 33/100 | 18/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 23 | 8 |
SBA Volume | – | – |
Default Rate | 13.0% | 25.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $72K to $249K | $46K to $362K |
Franchise Fee | $72K | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | 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 | 20 | 5 |
Franchised Units | 20 | 5 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 1986 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | HOUSTON, TX | Woodcliff Lake, NJ |
Category | Gift, Novelty, | Gift, Novelty, |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Paper Warehouse (Party Supplie or Party America?
Lower upfront capital required
Tie
Paper Warehouse (Party Supplie: $72K starting · Party America: $46K starting
More SBA lender confidence
Paper Warehouse (Party Supplie
Paper Warehouse (Party Supplie: 23 SBA loans · Party America: 8 SBA loans
Lower SBA default rate
Paper Warehouse (Party Supplie
Paper Warehouse (Party Supplie: 13.0% · Party America: 25.0%
Larger system & brand presence
Tie
Paper Warehouse (Party Supplie: 20 units · Party America: 5 units
More lender financing options
Paper Warehouse (Party Supplie
Paper Warehouse (Party Supplie: 19 unique lenders · Party America: 7 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
Paper Warehouse (Party Supplie vs Party America: Franchise Funding Comparison
Comparing Paper Warehouse (Party Supplie and Party America is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $46K to $362K.
Paper Warehouse (Party Supplie has 23 SBA loans on record and Party America has 8. 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.
Paper Warehouse (Party Supplie vs Party America, Frequently Asked Questions
Which is a better franchise investment, Paper Warehouse (Party Supplie or Party America?
How much does a Paper Warehouse (Party Supplie franchise cost compared to Party America?
Can I finance Paper Warehouse (Party Supplie or Party America with an SBA loan?
Which has a lower SBA default rate, Paper Warehouse (Party Supplie or Party America?
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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