Country Clutter (Bed & Breakfa
The total investment to open a Country Clutter (Bed & Breakfa franchise ranges from $93,000 to $218,150. The initial franchise fee is $25,000. Ongoing royalties are 5.5%.
What is the Country Clutter (Bed & Breakfa franchise?
The gift and home décor retail market combines discretionary spending with emotional purchases and in store experiences. Country Clutter (Bed & Breakfa) is a national retail franchise focused on gifts, collectibles, and home décor. The brand is headquartered in Albany, California, and Country Visions provides the corporate support structure for the system. Country Clutter Limited of Chepstow, the UK based affiliate, was incorporated on May 19, 2003. Louise Burton founded the company after beginning to sell handcrafted goods to friends and family more than two decades earlier. The US system has 27 franchised units across multiple states and no company owned locations, so the model is entirely franchise based. Entrepreneur Magazine named Country Clutter the number one gift franchise. Success Magazine named it the number one gift store franchise and cited high rankings in Franchisee Satisfaction and Consumer Sales. The brand is classified in the All Other Miscellaneous Store Retailers category, which has an estimated total addressable market of approximately $275 billion and a compound annual growth rate of 3.5%. A buyer evaluating this opportunity should review the market, investment requirements, and operating model together rather than relying on brand recognition alone.
Country Clutter (Bed & Breakfa) competes in a broader Miscellaneous Store Retailers sector than the term gift shop may suggest. The sector produced $187.8 billion in revenue in 2024 and grew at an annual rate of 6.2% over the prior three years. Factors supporting demand include increased disposable income among the urban middle class, greater mobile commerce use, and consumer interest in unique, personalized, and artisanal merchandise that mass market stores may not offer. Gift and collectible purchases can also be experience adjacent. Customers may visit a Country Clutter store for an emotional shopping experience, which can reduce direct competition based only on online price. Country Clutter stores carry Boyds Bears and Yankee Candles, brands with established collector communities and repeat purchase patterns. Specialty gift retail remains fragmented, with no single national chain holding more than a low single digit percentage of market share. That structure can give operators with strong local execution and community relationships room to establish a position. Across retail as a whole, the global market is projected to reach $28.12 trillion in 2025 and $29.79 trillion in 2026, with a CAGR of 6.87% from 2026 through 2031. Consumer behavior also increasingly combines online research with purchases in physical stores that provide sensory experiences. That pattern fits the warm, fragrant, curated environment Country Clutter has developed.
The Country Clutter (Bed & Breakfa) franchise investment ranges from $93,000 to $218,150. That places the opportunity in the accessible to mid tier portion of specialty retail investment. Across retail franchises generally, initial fees often range from $10,000 to $50,000. Comparable gift and home décor concepts can require more than $350,000 to $500,000 after real estate buildout, inventory, and working capital are included. The difference between Country Clutter's $93,000 lower figure and $218,150 higher figure can reflect the size of the market, the selected site, lease costs, buildout needs, and opening inventory. The brand can operate in regional malls, outlet centers, downtown street level locations, and neighborhood shopping centers, each with different occupancy and setup costs. Country Clutter offers financing options through third party providers, which may assist buyers with strong credit who do not have the entire investment available in liquid assets. The franchise also offers a veteran discount. Approximately 250,000 service members transition to civilian life each year, and veterans are one of the most active groups in franchise ownership nationally. Retail franchise royalty fees generally range from 4% to 12% of gross sales, with 5% to 10% being most common. Marketing or advertising contributions generally add 2% to 5%. Country Visions operates an in house advertising agency that develops exclusive campaigns and promotions for the brand, giving franchisees professional marketing materials without requiring each owner to find and pay a separate creative agency.
The daily operating model for the Country Clutter (Bed & Breakfa) franchise emphasizes an owner operator presence, customer relationships, community involvement, and store presentation. At the Turlock, California franchise, owners were on site as early as 8:45 AM for a 10:00 AM opening. Closing work continued about one hour after the official 7:00 PM closing time. One location had eight staff members working staggered shifts on opening day, and the operator added another employee during the first week as customer volume became clearer. Training is delivered through Country Clutter University, a proprietary program taught by professional staff. Its six subject areas are visual merchandising, pricing strategies, customer service, marketing, computer systems, and employee motivation and development. Country Visions also provides hands on assistance before opening. Support includes site selection, lease negotiation, merchandise ordering, and grand opening preparation. The technology platform includes Point of Sale systems, Inventory Management platforms, and dedicated computer support. These tools address inventory management, a common challenge for independent gift retailers. National franchise conventions provide networking among the 60 plus store system, along with continuing training, sharing of operating practices, and a formal way to raise issues with the corporate team. Preferred national vendors, volume purchasing, and exclusive products available through the buying network give franchisees access to merchandise at the system level rather than requiring each store to source alone.
The absence of that disclosure does not by itself establish poor performance and may reflect the conservative legal approach used by many franchise systems. Public industry figures show that Miscellaneous Store Retailers produced $187.8 billion in revenue in 2024. Specialty gift retail also benefits from collectible products, seasonal purchasing, and gifting occasions such as birthdays, holidays, anniversaries, and home purchases. Local operating examples provide additional context. Sue Thurman and Peggy Ghysels operated a Country Clutter franchise in Gilroy, California that received the 2005 Small Business of the Year award from the Gilroy Chamber of Commerce. The same store was named franchise of the year four times within the Country Visions system. In 2005, the Gilroy location raised $2,000 through one Girls Night Out fundraising event, compared with $500 the prior year. Buyers should seek any available performance information from Country Visions and interview franchisees in several markets before forming unit level estimates.
Country Clutter (Bed & Breakfa) has described its growth over the past decade as balanced. The system has reached 60 plus store locations, while its current count is 27 franchised units. The company has stated that it reached its current expansion goals and has also said that “More opportunities are coming soon.” This suggests a deliberate pause in expansion rather than a contraction. It may reflect attention to franchisee selection and territory placement, although buyers should test that interpretation during diligence. The format can be used in regional malls, outlet centers, downtown corridors, and neighborhood retail settings, so the brand is not tied to one real estate type. Country Visions' in house advertising agency develops campaigns for Country Clutter rather than relying entirely on outside agencies that may serve competing brands. That arrangement can help maintain consistent and distinct local marketing. Boyds Bears and Yankee Candles provide recognized product lines, established customer awareness, and a supply connection that independent gift stores may not reproduce without higher wholesale costs. Entrepreneur Magazine's number one gift franchise recognition and Success Magazine's number one gift store franchise recognition, along with the cited Franchisee Satisfaction ranking, contribute to the brand's public profile. Country Clutter is accepting inquiries from 49 US states, including California, Texas, New York, Florida, and Illinois. The number of available states means most major and secondary markets are potentially relevant to a buyer. With global retail projected to grow at a 6.87% annual rate from 2026 through 2031, specialty gift retail is operating within a larger market that is also projected to expand.
The intended Country Clutter (Bed & Breakfa) franchise candidate is an owner operator who enjoys community involvement, home décor, and gift retail. The role also requires the interpersonal ability to build repeat relationships with local customers. Franchisee profiles include Tirzah Hancock and Karen Richardson. They were attracted to the store environment because employees and owners appeared to enjoy the work, while the merchandise felt engaging and distinctive. That motivation fits the brand's community focused approach. People with experience in retail management, customer service, visual merchandising, or community based business ownership may be able to apply that background through the Country Clutter University curriculum. Indeed.com reviews for Country Clutter positions show a 4.3 out of 5 rating for job security and advancement and a 4.3 out of 5 rating for company culture. The ratings are 4.0 out of 5 for work life balance, pay and benefits, and management. These reviews can offer a recruiting reference, though individual franchisee staffing results may differ. Territories span 49 states, with no evidence of domestic market saturation. The system accepts inquiries from locations including Alaska and Wyoming, indicating that territory structures may accommodate urban flagship stores and smaller community retail locations. With total investment of $93,000 to $218,150, the concept may also be accessible to first time franchise buyers who cannot meet the capital needs of food service or fitness concepts that commonly require $300,000 to $1,000,000 or more.
For a buyer reviewing the Country Clutter (Bed & Breakfa) franchise, the central factors include a $275 billion addressable market growing at 3.5% annually, recognition from Entrepreneur Magazine and Success Magazine, and an initial investment of $93,000 to $218,150. Country Visions supports site selection, lease negotiation, merchandise ordering, and grand opening preparation. The brand is accepting inquiries across 49 US states. Recognition, employee review scores, and the Gilroy community examples provide useful context, but they do not replace store level financial verification. The veteran discount and financing options through third party providers may broaden the potential buyer pool. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. PeerSense is not a lender and does not fund or approve loans. Its research tools include SBA lending history, a Loan Activity Score, location maps with Google ratings, FDD financial data, and side by side comparison tools. The current Loan Activity Score is 23 and is categorized as Limited. Buyers can use that figure with the other available information when comparing Country Clutter with specialty retail franchise opportunities.
Loan Activity Score
23/100
SBA Default Rate
46.0%
Active Lenders
15
According to its Franchise Disclosure Document or public business records, Country Clutter (Bed & Breakfa has 27 locations, all owned by franchisees. Public SBA loan records show 15 lenders made 50 loans to franchisees of Country Clutter (Bed & Breakfa. PeerSense calculates Country Clutter (Bed & Breakfa's score as 23 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1991 · 27 locations
$93,000 to $218,150
$25,000
27
27 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Country Clutter (Bed & Breakfa
50
Total SBA loans
$167K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Country Clutter (Bed & Breakfa
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
46.0%
vs 13.6% peer avg
SBA Loans
50
Total Volume
$8.3M
Active Lenders
15
States
20
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 Country Clutter (Bed & Breakfa based on SBA lending data
SBA Default Rate
46.0%
32.4% above peer avg
SBA Loan Volume
50 loans
Across 15 lenders
Lender Diversity
15 lenders
Avg 3.3 loans per lender
Investment Tier
Mid range investment
$93,000 to $218,150 total
Country Clutter (Bed & Breakfa: 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
2001
6 approvals. The best year on record for Country Clutter (Bed & Breakfa.
Top SBA State
California
10 SBA financed Country Clutter (Bed & Breakfa locations, the densest operator footprint.
Average Loan Size
$167K
Median $179K. Use as a sizing anchor when modeling your own Country Clutter (Bed & Breakfa unit.
Lender Concentration
74%
Concentrated
Share of Country Clutter (Bed & Breakfa approvals captured by the top 3 SBA lenders.
Country Clutter (Bed & Breakfa's SBA lending pipeline peaked in 2001 (6 approvals). Operator density is highest in California with 10 SBA financed locations. Average funded ticket sits at $167K, with the median at $179K. Lender mix is concentrated: the top three SBA lenders account for 74% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$963
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
Country Clutter (Bed & Breakfa, 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