Real Deals Homedecor vs Real Deals On Home Decor
Real Deals Homedecor vs Real Deals On Home Decor: Real Deals Homedecor costs $21K to $112K to open; Real Deals On Home Decor costs $66K to $148K. Real Deals Homedecor has 9 units, Real Deals On Home Decor has 16. SBA loan history: Real Deals Homedecor = 12 loans (0.0% default); Real Deals On Home Decor = 21 loans (4.8% 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.
Real Deals Homedecor vs Real Deals On Home Decor: 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
Real Deals Homedecor requires the lower minimum capital commitment ($21K vs $66K for Real Deals On Home Decor), a 69% spread. Initial franchise fees come in at $23K for Real Deals Homedecor versus $30K for Real Deals On Home Decor, Real Deals Homedecor has the lower entry fee. Ongoing royalty load is 5% for Real Deals Homedecor and 5% for Real Deals On Home Decor, equal royalty drag.
System Scale & Tenure
On scale, Real Deals On Home Decor operates 16 units to Real Deals Homedecor's 9. Real Deals On Home Decor has been operating 23 years (founded 2003) versus 23 for Real Deals Homedecor (founded 2003), a 0-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Real Deals On Home Decor has the deeper SBA lending track record, with 21 7(a) approvals compared with 12 for Real Deals Homedecor. Real Deals Homedecor's peak SBA year was 2010 (5 loans); Real Deals On Home Decor's peak was 2018 (7 loans). Real Deals On Home Decor's more recent peak generally indicates fresher lender appetite. Real Deals Homedecor has the most SBA funded units in MT, with 3. Real Deals On Home Decor leads in ID, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Real Deals Homedecor deals is $116K vs $230K for Real Deals On Home Decor, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Real Deals Homedecor and 4.8% for Real Deals On Home Decor, Real Deals Homedecor has the cleaner SBA loss record by 4.8 points. PeerSense FPI scores come in at 44 (Fair) for Real Deals Homedecor and 54 (Moderate) for Real Deals On Home Decor, giving Real Deals On Home Decor the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 54/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 21 |
SBA Volume | – | – |
Default Rate | 0.0% | 4.8% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $21K to $112K | $66K to $148K |
Franchise Fee | $23K | $30K |
Royalty Rate | 5% | 5% |
Ad Fund | 1.5% | 1.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 9 | 16 |
Franchised Units | 9 | 16 |
Company Owned | – | – |
Term Length | 5 yrs | 5 yrs |
Brand Information
Year Founded | 2003 | 2003 |
Franchising Since | N/A | 2021 |
Years Franchising | N/A | 5 yrs |
Headquarters | HELENA, MT | MT |
Category | All Other Home Furnishings Stores | All Other Home Furnishings Stores |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Real Deals Homedecor or Real Deals On Home Decor?
Lower upfront capital required
Tie
Real Deals Homedecor: $21K starting · Real Deals On Home Decor: $66K starting
More SBA lender confidence
Real Deals On Home Decor
Real Deals Homedecor: 12 SBA loans · Real Deals On Home Decor: 21 SBA loans
Lower SBA default rate
Real Deals Homedecor
Real Deals Homedecor: 0.0% · Real Deals On Home Decor: 4.8%
Larger system & brand presence
Tie
Real Deals Homedecor: 9 units · Real Deals On Home Decor: 16 units
Lower ongoing royalty load
Tie
Real Deals Homedecor: 5% · Real Deals On Home Decor: 5%
More lender financing options
Real Deals On Home Decor
Real Deals Homedecor: 9 unique lenders · Real Deals On Home Decor: 17 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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Real Deals Homedecor vs Real Deals On Home Decor: Franchise Funding Comparison
Comparing Real Deals Homedecor and Real Deals On Home Decor is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $21K to $148K.
Real Deals Homedecor has 12 SBA loans on record and Real Deals On Home Decor has 21. 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.
Real Deals Homedecor vs Real Deals On Home Decor, Frequently Asked Questions
Which is a better franchise investment, Real Deals Homedecor or Real Deals On Home Decor?
How much does a Real Deals Homedecor franchise cost compared to Real Deals On Home Decor?
Can I finance Real Deals Homedecor or Real Deals On Home Decor with an SBA loan?
Which has a lower SBA default rate, Real Deals Homedecor or Real Deals On Home Decor?
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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