Real Deals Homedecor vs STAINED GLASS OVERLAY
Real Deals Homedecor vs STAINED GLASS OVERLAY: Real Deals Homedecor costs $21K to $112K to open; STAINED GLASS OVERLAY costs $100K to $125K. Real Deals Homedecor has 9 units, STAINED GLASS OVERLAY has 18. SBA loan history: Real Deals Homedecor = 12 loans (0.0% default); STAINED GLASS OVERLAY = 19 loans (21.1% 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.
Real Deals Homedecor vs STAINED GLASS OVERLAY: 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 $100K for STAINED GLASS OVERLAY), a 80% spread. Initial franchise fees come in at $23K for Real Deals Homedecor versus $50K for STAINED GLASS OVERLAY, Real Deals Homedecor has the lower entry fee.
System Scale & Tenure
On scale, STAINED GLASS OVERLAY operates 18 units to Real Deals Homedecor's 9. STAINED GLASS OVERLAY has been operating 45 years (founded 1981) versus 23 for Real Deals Homedecor (founded 2003), a 22-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
STAINED GLASS OVERLAY has the deeper SBA lending track record, with 19 7(a) approvals compared with 12 for Real Deals Homedecor.
Risk Signal
SBA default rates are 0.0% for Real Deals Homedecor and 21.1% for STAINED GLASS OVERLAY, Real Deals Homedecor has the cleaner SBA loss record by 21.1 points. PeerSense FPI scores come in at 44 (Fair) for Real Deals Homedecor and 25 (Fair) for STAINED GLASS OVERLAY, giving Real Deals Homedecor the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 25/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 19 |
SBA Volume | – | – |
Default Rate | 0.0% | 21.1% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $21K to $112K | $100K to $125K |
Franchise Fee | $23K | $50K |
Royalty Rate | 5% | N/A |
Ad Fund | 1.5% | 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 | 9 | 18 |
Franchised Units | 9 | 18 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | 2003 | 1981 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | HELENA, MT | Orange, CA |
Category | All Other Home Furnishings Stores | All Other Home Furnishings Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Real Deals Homedecor or STAINED GLASS OVERLAY?
Lower upfront capital required
Tie
Real Deals Homedecor: $21K starting · STAINED GLASS OVERLAY: $100K starting
More SBA lender confidence
STAINED GLASS OVERLAY
Real Deals Homedecor: 12 SBA loans · STAINED GLASS OVERLAY: 19 SBA loans
Lower SBA default rate
Real Deals Homedecor
Real Deals Homedecor: 0.0% · STAINED GLASS OVERLAY: 21.1%
Larger system & brand presence
Tie
Real Deals Homedecor: 9 units · STAINED GLASS OVERLAY: 18 units
More lender financing options
STAINED GLASS OVERLAY
Real Deals Homedecor: 9 unique lenders · STAINED GLASS OVERLAY: 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 STAINED GLASS OVERLAY: Franchise Funding Comparison
Comparing Real Deals Homedecor and STAINED GLASS OVERLAY is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $21K to $125K.
Real Deals Homedecor has 12 SBA loans on record and STAINED GLASS OVERLAY has 19. 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 STAINED GLASS OVERLAY, Frequently Asked Questions
Which is a better franchise investment, Real Deals Homedecor or STAINED GLASS OVERLAY?
How much does a Real Deals Homedecor franchise cost compared to STAINED GLASS OVERLAY?
Can I finance Real Deals Homedecor or STAINED GLASS OVERLAY with an SBA loan?
Which has a lower SBA default rate, Real Deals Homedecor or STAINED GLASS OVERLAY?
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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