Color Tyme
The total investment to open a Color Tyme franchise ranges from $42,000 to $563,200.
What is the Color Tyme franchise?
Color Tyme is a business that rents electronics and household appliances to customers who want to use them before buying. Customers can rent items with a path to ownership.
The estimated total initial investment to open a Color Tyme franchise is $42,000 to $563,200. The company is headquartered in Manhattan, Kansas.
Loan Activity Score
29/100
SBA Default Rate
14.8%
Active Lenders
18
According to its Franchise Disclosure Document or public business records, Color Tyme has 19 locations, all owned by franchisees. Public SBA loan records show 18 lenders made 27 loans to franchisees of Color Tyme. PeerSense calculates Color Tyme's score as 29 out of 100, using public SBA loan performance and recent lending activity.
19 locations
$42,000 to $563,200
19
19 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Color Tyme
27
Total SBA loans
$343K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Color Tyme
Loan Activity Score Breakdown
Established (25 to 99 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
14.8%
vs 8.9% peer avg
SBA Loans
27
Total Volume
$9.3M
Active Lenders
18
3 selective
States
14
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 Color Tyme based on SBA lending data
SBA Default Rate
14.8%
5.9% above peer avg
SBA Loan Volume
27 loans
Across 18 lenders
Lender Diversity
18 lenders
Avg 1.5 loans per lender
Investment Tier
Significant investment
$42,000 to $563,200 total
Color Tyme: 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
1995
6 approvals. The best year on record for Color Tyme.
Top SBA State
Texas
4 SBA financed Color Tyme locations, the densest operator footprint.
Average Loan Size
$343K
Median $296K. Use as a sizing anchor when modeling your own Color Tyme unit.
Lender Concentration
37%
Moderately Spread
Share of Color Tyme approvals captured by the top 3 SBA lenders.
Color Tyme's SBA lending pipeline peaked in 1995 (6 approvals). Operator density is highest in Texas with 4 SBA financed locations. Average funded ticket sits at $343K, with the median at $296K. Lender mix is moderately spread: the top three SBA lenders account for 37% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$435
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
Color Tyme, unit breakdown
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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