Papyrus (Retail Paper) vs Rainbow Carpet Dyeing
Papyrus (Retail Paper) vs Rainbow Carpet Dyeing: Papyrus (Retail Paper) costs $79K to $237K to open; Rainbow Carpet Dyeing costs $25K to $155K. Papyrus (Retail Paper) has 18 units, Rainbow Carpet Dyeing has 12. SBA loan history: Papyrus (Retail Paper) = 19 loans (0.0% default); Rainbow Carpet Dyeing = 16 loans (18.8% 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.
Papyrus (Retail Paper) vs Rainbow Carpet Dyeing: 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
Rainbow Carpet Dyeing requires the lower minimum capital commitment ($25K vs $79K for Papyrus (Retail Paper)), a 222% spread. Initial franchise fees come in at $295K for Papyrus (Retail Paper) versus $28K for Rainbow Carpet Dyeing, Rainbow Carpet Dyeing has the lower entry fee.
System Scale & Tenure
On scale, Papyrus (Retail Paper) operates 18 units to Rainbow Carpet Dyeing's 12.
SBA Lending Profile
Papyrus (Retail Paper) has the deeper SBA lending track record, with 19 7(a) approvals compared with 16 for Rainbow Carpet Dyeing. Papyrus (Retail Paper)'s peak SBA year was 1997 (6 loans); Rainbow Carpet Dyeing's peak was 1996 (5 loans). Papyrus (Retail Paper)'s more recent peak generally indicates fresher lender appetite. Papyrus (Retail Paper) has the most SBA funded units in CA, with 10. Rainbow Carpet Dyeing leads in TX, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Papyrus (Retail Paper) deals is $147K vs $77K for Rainbow Carpet Dyeing, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Papyrus (Retail Paper) and 18.8% for Rainbow Carpet Dyeing, Papyrus (Retail Paper) has the cleaner SBA loss record by 18.8 points. PeerSense FPI scores come in at 57 (Moderate) for Papyrus (Retail Paper) and 33 (Fair) for Rainbow Carpet Dyeing, giving Papyrus (Retail Paper) the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 57/100 | 33/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 19 | 16 |
SBA Volume | – | – |
Default Rate | 0.0% | 18.8% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $79K to $237K | $25K to $155K |
Franchise Fee | $295K | $28K |
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 | 18 | 12 |
Franchised Units | 18 | 12 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1950 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | SAN DIEGO, CA | MA |
Category | New Single-Family Housing Construction | New Single-Family Housing Construction |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Papyrus (Retail Paper) or Rainbow Carpet Dyeing?
Lower upfront capital required
Tie
Papyrus (Retail Paper): $79K starting · Rainbow Carpet Dyeing: $25K starting
More SBA lender confidence
Papyrus (Retail Paper)
Papyrus (Retail Paper): 19 SBA loans · Rainbow Carpet Dyeing: 16 SBA loans
Lower SBA default rate
Papyrus (Retail Paper)
Papyrus (Retail Paper): 0.0% · Rainbow Carpet Dyeing: 18.8%
Larger system & brand presence
Tie
Papyrus (Retail Paper): 18 units · Rainbow Carpet Dyeing: 12 units
More lender financing options
Rainbow Carpet Dyeing
Papyrus (Retail Paper): 11 unique lenders · Rainbow Carpet Dyeing: 14 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
Papyrus (Retail Paper) vs Rainbow Carpet Dyeing: Franchise Funding Comparison
Comparing Papyrus (Retail Paper) and Rainbow Carpet Dyeing is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $237K.
Papyrus (Retail Paper) has 19 SBA loans on record and Rainbow Carpet Dyeing has 16. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Papyrus (Retail Paper) vs Rainbow Carpet Dyeing, Frequently Asked Questions
Which is a better franchise investment, Papyrus (Retail Paper) or Rainbow Carpet Dyeing?
How much does a Papyrus (Retail Paper) franchise cost compared to Rainbow Carpet Dyeing?
Can I finance Papyrus (Retail Paper) or Rainbow Carpet Dyeing with an SBA loan?
Which has a lower SBA default rate, Papyrus (Retail Paper) or Rainbow Carpet Dyeing?
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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