Carpet One Floor & Home
The total investment to open a Carpet One Floor & Home franchise ranges from $107,500 to $1.9M.
What is the Carpet One Floor & Home franchise?
Carpet One Floor & Home operates in the home improvement sector, where buyers are assessing capital requirements, demand, competition, and the risks of an unproven concept. The franchise focuses on flooring retail and combines local ownership with the resources of a larger brand. Its model is intended to address a recurring consumer need while giving franchisees a structured operating system.
Carpet One Floor & Home operates in the flooring contractors category, part of the $500 billion U.S. home improvement market. That market is projected to grow at a compound annual growth rate of 4.5% through 2027. U.S. consumers spend more than $29 billion each year on flooring, supported by new construction and residential renovation. Demand is also tied to homeowners improving property appearance and value, choosing durable and low maintenance materials, and using professional installers for complex projects. Stable housing markets, rising home equity, and an aging housing stock support ongoing replacement and renovation needs. The category includes independent contractors, big box retailers, and specialized chains. Flooring businesses can benefit from local service needs, high average ticket sizes, and recurring replacement demand, while Carpet One Floor & Home combines local service with national purchasing power.
The estimated total investment for a Carpet One Floor & Home franchise ranges from $107,500 to $1.88 million. The range reflects differences in showroom size and location, initial inventory, local build out costs, and working capital requirements. The current FDD does not disclose specific franchise, royalty, or advertising fees. Buyers should still account for rent, utilities, employee wages, local marketing, insurance, and ongoing inventory replenishment. Initial costs include leasehold improvements, inventory, equipment, signage, and operating reserves for the ramp up period. Capital planning affects the franchisee’s ability to maintain inventory, serve varied customer needs, and create a suitable showroom. The local ownership model generally fits traditional business financing, with access to capital dependent on the business plan and the buyer’s personal financial standing.
Daily operations center on showroom management, product selection, sales consultations, measurements, installation coordination, and post sale support. Product offerings include carpet, hardwood, laminate, tile, and luxury vinyl. Installations may use trusted, certified installers, in house crews, or subcontracted professionals. The main format is a dedicated retail showroom that functions as a design center and sales hub, although some franchisees may add mobile or in home consultations. Training would cover product knowledge, sales methods, operating procedures, inventory systems, and proprietary software, although specific training details are not disclosed. Corporate support would include collective purchasing, national marketing, supply chain guidance, and ongoing operational assistance. Territories are typically structured around exclusive market areas. The current system has 18 franchised units out of 21 total, while the model also supports multi unit development for qualified franchisees.
Industry benchmarks provide context instead. Carpet One Floor & Home has an established brand and collective purchasing advantages that may help it compete within those industry conditions. Its PeerSense Loan Activity Score is 60, categorized as "Moderate," reflecting industry stability, brand maturity, and operational complexity. PeerSense also records 18 active locations, all with Google ratings, showing a current operating presence and customer feedback.
Carpet One Floor & Home has 21 total units, including 18 franchised units and 0 company owned units. The system appears mature and focused on franchisee led growth rather than rapid unit expansion. Without historical unit count trends, the current structure points toward localized development in underserved markets or expansion by successful existing franchisees. Its competitive position rests on collective purchasing power, access to a broad product selection at competitive prices, a recognized national name, local ownership, personalized service, and an established supply chain. Flooring industry developments include demand for sustainable and technologically advanced materials, along with digital tools for virtual design and online lead generation. A mature brand may incorporate these tools as customer preferences change.
The typical franchisee has entrepreneurial drive, sales ability, and a strong customer service orientation. Retail management, home improvement, or sales experience is useful but may not be required because training is provided. Communication skills, team management ability, design awareness, and community involvement matter because local reputation is central to the business. Although the current system is primarily made up of single unit owners, the model can support multi unit expansion for franchisees with consistent performance and the capacity to manage several locations. Territory selection would consider homeownership, renovation activity, and disposable income. The period from signing the franchise agreement to opening generally spans six to twelve months, covering site selection, lease negotiation, build out, inventory procurement, and training. Agreement terms are not specifically disclosed, though they would typically represent a long term commitment.
Carpet One Floor & Home offers entry into a stable home improvement category with ongoing demand for flooring products and services. Its nationally recognized name is paired with local ownership and service. The initial investment ranges from $107,500 to $1.88 million, and the system includes 18 franchised units out of 21 total. PeerSense provides independent franchise intelligence for buyers evaluating the opportunity and considering financing options through outside SBA and conventional lenders.
Loan Activity Score
60/100
SBA Default Rate
0.0%
Active Lenders
15
According to its Franchise Disclosure Document or public business records, Carpet One Floor & Home has 18 locations, all owned by franchisees. Public SBA loan records show 15 lenders made 24 loans to franchisees of Carpet One Floor & Home. PeerSense calculates Carpet One Floor & Home's score as 60 out of 100, using public SBA loan performance and recent lending activity.
18 locations
$107,500 to $1.9M
18
18 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Carpet One Floor & Home
24
Total SBA loans
$784K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Carpet One Floor & Home
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 9.9% peer avg
SBA Loans
24
Total Volume
$18.8M
Active Lenders
15
5 selective
States
13
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Carpet One Floor & Home based on SBA lending data
SBA Default Rate
0.0%
9.9% below peer avg
SBA Loan Volume
24 loans
Across 15 lenders
Lender Diversity
15 lenders
Avg 1.6 loans per lender
Investment Tier
Premium investment
$107,500 to $1,875,500 total
Carpet One Floor & Home: 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
2019
6 approvals. The best year on record for Carpet One Floor & Home.
Top SBA State
Colorado
4 SBA financed Carpet One Floor & Home locations, the densest operator footprint.
Average Loan Size
$784K
Median $525K. Use as a sizing anchor when modeling your own Carpet One Floor & Home unit.
Lender Concentration
41.7%
Concentrated
Share of Carpet One Floor & Home approvals captured by the top 3 SBA lenders.
Carpet One Floor & Home's SBA lending pipeline peaked in 2019 (6 approvals). The last five fiscal years account for 67% of cumulative volume ($14M approved). Operator density is highest in Colorado with 4 SBA financed locations. Average funded ticket sits at $784K, with the median at $525K. Lender mix is concentrated: the top three SBA lenders account for 41.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,113
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
Carpet One Floor & Home, unit breakdown
Explore Funding for Carpet One Floor & Home
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage 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