Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates
Badcock Home Furniture & More

Badcock Home Furniture & More

The total investment to open a Badcock Home Furniture & More franchise ranges from $147,700 to $847,030.

What is the Badcock Home Furniture & More franchise?

The U.S. furniture retail market exceeds $120 billion in annual spending, with some analyses reaching $145 billion when home accessories and related services are included. The sector offers high ticket sales and continuing consumer demand, but investors must also consider commoditization, fast changes in retail technology, and competition from national and online companies. Badcock Home Furniture More provides a structured entry into this market through a franchise system with a regional history centered in the Southeastern United States. The brand’s precise founding year is not available in current disclosures. Its headquarters are in Branford, FL, indicating an established regional presence and knowledge of local customers. The network has 23 total units, including 17 franchised locations and 0 company owned units. This structure places the operating network in the hands of franchise partners while the corporate organization focuses on brand stewardship, supply chain support, and franchise assistance. The U.S. market for furniture and home furnishings has shown projected annual growth of 3% to 5%, supported by demographic changes, housing activity, and changing interior design preferences. Furniture remains a basic household purchase, giving the category a continuing source of demand despite competition and economic changes.

The U.S. furniture and home furnishings industry generates more than $120 billion each year and can reach $145 billion when related home décor products and installation services are counted. Annual growth commonly falls between 3% and 5%, with results affected by disposable income, consumer confidence, and housing activity. Remote work has increased demand for home office furniture, with some subsegments growing 10% to 15% in recent years as consumers seek more functional and ergonomic spaces. An aging population creates demand for comfortable, accessible, and custom designed furniture. Millennials and Gen Z increasingly look for stylish, modular, and sustainably sourced products, requiring retailers to adjust merchandise and supply practices. Housing is another important demand source. Recent periods have averaged more than 1.5 million new home starts annually, and each new home can generate thousands of dollars in furniture purchases. Competition includes large national chains, online retailers that account for an estimated 20% to 25% of total furniture sales, and regional independent stores. A Badcock Home Furniture More location operates within that mix by emphasizing local relationships and personal service. A tailored shopping experience, regional supply coordination, and accessible financing options may help a store compete with larger companies. Furniture demand has continued through different economic cycles, although the industry remains sensitive to housing conditions, consumer spending, and changes in the broader economy.

The disclosed initial investment for a Badcock Home Furniture More franchise ranges from $147,700 to $847,030. Furniture retail generally requires more capital than many service businesses or small format retail concepts because of inventory, showroom space, and delivery needs. Industry benchmarks for furniture retail often place total initial investment between $200,000 and $1,000,000 or more. The Badcock range can reflect differences in store size, location, leasehold improvements, opening inventory, signage, point of sale systems, delivery vehicles, marketing, and working capital. Inventory may represent 30% to 50% of a furniture store’s total investment. Working capital may be needed for the first 3 to 6 months of operations while sales develop and regular expenses continue. The current FDD does not provide specific figures for the franchise fee, required liquid capital, or net worth requirement. It also does not provide royalty or advertising fees. For planning purposes, retail royalty fees commonly range from 4% to 8% of gross revenue, while advertising fund contributions often add 1% to 3%. Those percentages are industry estimates, not Badcock Home Furniture More fees disclosed in the available data. The lower end of the investment range may suit a smaller operation, while the upper end can support a larger and more complete retail format. Larger furniture stores and premium concepts can require more than $1,000,000. A buyer should therefore evaluate the stated investment range together with site costs, inventory needs, delivery requirements, working capital, and estimated ongoing operating expenses.

Daily operations generally involve showroom upkeep, product presentation, customer consultations, design advice, sales processing, financing options, order fulfillment, inventory control, and local delivery coordination. Store personnel must maintain appealing displays, monitor stock, arrange replenishment, limit shrinkage, and coordinate timely delivery of furniture to customer homes. A typical staffing plan may include a general manager, sales associates with product knowledge, and warehouse or delivery personnel, depending on store size, sales volume, and services offered. A representative location may employ 5 to 10 full time and part time workers, with additional staffing during busy sales periods or promotional events. Format options may differ according to market size, customer demographics, and available real estate. A smaller showroom could concentrate on selected categories, while a larger location could present a wider range of home furnishings. Each format affects inventory, layout, and staffing. Specific Badcock Home Furniture More training details are not available in the current FDD. Furniture franchise systems commonly provide several weeks of initial instruction covering product categories such as upholstery, case goods, and mattresses, along with sales methods, operating procedures, point of sale and inventory systems, and local marketing. Continuing support may include field consultants, marketing materials and campaigns, supply access, performance reviews, and business coaching. Territory arrangements are typically based on geographic boundaries or demographic measures and may provide an exclusive operating area. Multi unit requirements are not explicitly detailed, although retail franchisors often support capable operators who want to develop more than one location. The operating model is intended to give franchisees a framework for managing merchandise, staff, customer service, delivery, and local promotion.

This limits the ability to build projections from reported unit results and makes due diligence especially important. Labor, including wages, salaries, and benefits, may represent 15% to 20%. Advertising and marketing may run from 2% to 5%, utilities from 1% to 2%, and administrative overhead from 2% to 3%. Inventory holding costs, insurance, and delivery expenses can add another 3% to 5%. Buyers should build conservative projections for the specific market, store, and product mix.

Badcock Home Furniture More currently has 23 total units, including 17 franchised locations and 0 company owned units. Specific trends in unit counts and precise net new additions in recent years are not available in the provided data. The network includes 21 active locations identified and tracked in the PeerSense database, suggesting an operating presence in its designated markets. The Loan Activity Score is 18, classified as Limited, indicating that public information is constrained while the brand maintains a recorded operating presence. The brand’s regional position, especially across the Southeastern United States, may provide several practical advantages. A concentration of locations can support supply coordination, inventory management, transportation efficiency, shared advertising, and knowledge of local preferences. These regional relationships may be more difficult for a national competitor to reproduce. Furniture retail is also changing as online platforms, direct to consumer companies, virtual showrooms, digital advertising, and online ordering expand. Specific digital initiatives for Badcock Home Furniture More are not disclosed. Retailers in this category commonly use social media, search engine marketing, and customer relationship management systems to generate leads and retain customers. Physical showrooms continue to serve an important purpose for large purchases because customers can see, touch, and assess furniture before buying. A combination of physical locations, regional familiarity, and possible digital development gives the franchise a way to address both in store and online shopping behavior.

A suitable Badcock Home Furniture More franchisee would generally bring entrepreneurial drive, retail management experience, and knowledge of local market conditions. Experience in sales, customer service, and inventory management can help with the daily demands of furniture retail. Community involvement and the ability to build lasting local relationships also matter because furniture purchases often depend on trust and personal service. Specific multi unit expectations are not available in the current FDD. Retail franchise systems often seek operators who have the capacity and interest to develop additional locations, which can create efficiencies in operations, marketing, and staffing. Territory availability would typically depend on demographic and market analysis. Relevant factors include housing growth, disposable income, and underserved areas within the brand’s existing regional footprint, especially Florida and the broader Southeastern United States. The period from signing a franchise agreement to opening a store can range from 6 to 12 months. That process may include site selection, lease negotiations, store design, construction or renovation, permits and licenses, inventory delivery, employee hiring and training, a soft opening, and a public grand opening. The specific term of the Badcock Home Furniture More franchise agreement is not available. Typical retail franchise agreements commonly run from 5 to 10 years and may include renewal options. A buyer should confirm territory availability, agreement terms, site requirements, staffing expectations, and the franchisor’s development process before proceeding.

Badcock Home Furniture More operates in a furniture market exceeding $120 billion annually, with broader estimates reaching $145 billion when related home products and services are included. Its network has 23 total units, including 17 franchised locations and 0 company owned units. The stated initial investment range is $147,700 to $847,030. The Loan Activity Score is 18, classified as Limited, and the PeerSense database identifies 21 active locations. The opportunity may suit an operator prepared for inventory management, showroom retail, delivery coordination, staffing, local marketing, and customer service. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. PeerSense is not a lender and does not approve or provide loans.

Loan Activity Score

18/100

SBA Default Rate

22.7%

Active Lenders

9

According to its Franchise Disclosure Document or public business records, Badcock Home Furniture & More has 21 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 22 loans to franchisees of Badcock Home Furniture & More. PeerSense calculates Badcock Home Furniture & More's score as 18 out of 100, using public SBA loan performance and recent lending activity.

21 locations

Investment

$147,700 to $847,030

Total Units

21

21 franchised

Loan Activity Score
High
18
SBA Lending
1
Lender Quality
5
Transparency
4
Reach
5
Momentum
3

Proprietary PeerSense metric

Limited
Capital Sources
9SBA lenders

Distinct lenders in public SBA records for Badcock Home Furniture & More

22

Total SBA loans

$474K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Badcock Home Furniture & More

Loan Activity Score Breakdown

Growing (10 to 24 loans)

High Confidence
18out of 100
Limited
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety1/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence5/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency4/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint5/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

22.7%

vs 9.4% peer avg

SBA Loans

22

Total Volume

$10.4M

Active Lenders

9

States

5

vs. SBA Sector Average

-13.3%higher default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Data Insights

Key performance metrics for Badcock Home Furniture & More based on SBA lending data

SBA Default Rate

22.7%

13.3% above peer avg

SBA Loan Volume

22 loans

Across 9 lenders

Lender Diversity

9 lenders

Avg 2.4 loans per lender

Investment Tier

Significant investment

$147,700 to $847,030 total

Badcock Home Furniture & More: Deep SBA Data

Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.

Peak SBA Year

2006

6 approvals. The best year on record for Badcock Home Furniture & More.

Top SBA State

Florida

12 SBA financed Badcock Home Furniture & More locations, the densest operator footprint.

Average Loan Size

$542K

Median $534K. Use as a sizing anchor when modeling your own Badcock Home Furniture & More unit.

Lender Concentration

50%

Concentrated

Share of Badcock Home Furniture & More approvals captured by the top 3 SBA lenders.

Badcock Home Furniture & More's SBA lending pipeline peaked in 2006 (6 approvals). The last five fiscal years account for 9% of cumulative volume ($934K approved). Operator density is highest in Florida with 12 SBA financed locations. Average funded ticket sits at $542K, with the median at $534K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$118K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,529

Principal & Interest only

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Locations

Badcock Home Furniture & More, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

Explore Funding for Badcock Home Furniture & More

Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.

Optional: checking the consent box lets us call or text you about your funding. You can still submit without it.

Referral fee at closing

Or get an instant analysis

Scan Your Deal Instantly
Badcock Home Furniture & More

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; it does not lend, fund, or approve loans, and 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