Sears Carpet & Upholstery Care vs Zerorez
Sears Carpet & Upholstery Care vs Zerorez: Sears Carpet & Upholstery Care costs $27K to $488K to open; Zerorez costs $262K to $619K. Sears Carpet & Upholstery Care has 12 units, Zerorez has 5. SBA loan history: Sears Carpet & Upholstery Care = 15 loans (13.3% default); Zerorez = 7 loans (0.0% 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.
Sears Carpet & Upholstery Care vs Zerorez: 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
Sears Carpet & Upholstery Care requires the lower minimum capital commitment ($27K vs $262K for Zerorez), a 90% spread.
System Scale & Tenure
On scale, Sears Carpet & Upholstery Care operates 12 units to Zerorez's 5, roughly 2× the system size.
SBA Lending Profile
Sears Carpet & Upholstery Care has the deeper SBA lending track record, with 15 7(a) approvals compared with 7 for Zerorez.
Risk Signal
SBA default rates are 13.3% for Sears Carpet & Upholstery Care and 0.0% for Zerorez, Zerorez has the cleaner SBA loss record by 13.3 points. PeerSense FPI scores come in at 28 (Fair) for Sears Carpet & Upholstery Care and 56 (Moderate) for Zerorez, giving Zerorez the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 56/100 |
Health Tier | Limited | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 15 | 7 |
SBA Volume | – | – |
Default Rate | 13.3% | 0.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $27K to $488K | $262K to $619K |
Franchise Fee | N/A | $30K |
Royalty Rate | N/A | 6% |
Ad Fund | N/A | 1% |
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 | 12 | 5 |
Franchised Units | 12 | 5 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 2001 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Springdale, AR | N/A |
Category | Carpet | Carpet |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Sears Carpet & Upholstery Care or Zerorez?
Lower upfront capital required
Tie
Sears Carpet & Upholstery Care: $27K starting · Zerorez: $262K starting
More SBA lender confidence
Sears Carpet & Upholstery Care
Sears Carpet & Upholstery Care: 15 SBA loans · Zerorez: 7 SBA loans
Lower SBA default rate
Zerorez
Sears Carpet & Upholstery Care: 13.3% · Zerorez: 0.0%
Larger system & brand presence
Tie
Sears Carpet & Upholstery Care: 12 units · Zerorez: 5 units
More lender financing options
Sears Carpet & Upholstery Care
Sears Carpet & Upholstery Care: 14 unique lenders · Zerorez: 5 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
Sears Carpet & Upholstery Care vs Zerorez: Franchise Funding Comparison
Comparing Sears Carpet & Upholstery Care and Zerorez is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $27K to $619K.
Sears Carpet & Upholstery Care has 15 SBA loans on record and Zerorez has 7. 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.
Sears Carpet & Upholstery Care vs Zerorez, Frequently Asked Questions
Which is a better franchise investment, Sears Carpet & Upholstery Care or Zerorez?
How much does a Sears Carpet & Upholstery Care franchise cost compared to Zerorez?
Can I finance Sears Carpet & Upholstery Care or Zerorez with an SBA loan?
Which has a lower SBA default rate, Sears Carpet & Upholstery Care or Zerorez?
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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