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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.96%↓✦30 Yr Treasury:5.29%↓✦30 Yr Mortgage:7.32%·Updated Oct 22, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.96%↓✦30 Yr Treasury:5.29%↓✦30 Yr Mortgage:7.32%·Updated Oct 22, 2026
Rates
COUNTRY HEARTH INN

COUNTRY HEARTH INN

Ongoing royalties are 5%.

What is the COUNTRY HEARTH INN franchise?

COUNTRY HEARTH INN is a hotel and motel business offering overnight stays to travelers.

The franchise royalty is 5 percent of sales.

Loan Activity Score

23/100

SBA Default Rate

32.4%

Active Lenders

28

According to its Franchise Disclosure Document or public business records, COUNTRY HEARTH INN has 35 locations, all owned by franchisees. Public SBA loan records show 28 lenders made 37 loans to franchisees of COUNTRY HEARTH INN. PeerSense calculates COUNTRY HEARTH INN's score as 23 out of 100, using public SBA loan performance and recent lending activity.

35 locations

Total Units

35

35 franchised

Loan Activity Score
High
23
SBA Lending
0
Lender Quality
5
Transparency
8
Reach
7
Momentum
3

Proprietary PeerSense metric

Limited
Capital Sources
28SBA lenders

Distinct lenders in public SBA records for COUNTRY HEARTH INN

37

Total SBA loans

$846K

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 HEARTH INN

Loan Activity Score Breakdown

Established (25 to 99 loans)

High Confidence
23out of 100
Limited
Market Momentum3/35

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

Loan Safety0/25

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.

Transparency8/15

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

Footprint7/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

32.4%

vs 10.3% peer avg

SBA Loans

37

Total Volume

$31.3M

Active Lenders

28

1 selective

States

14

vs. SBA Sector Average

-22.1%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 COUNTRY HEARTH INN based on SBA lending data

SBA Default Rate

32.4%

22.1% above peer avg

SBA Loan Volume

37 loans

Across 28 lenders

Lender Diversity

28 lenders

Avg 1.3 loans per lender

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

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 HEARTH INN, unit breakdown

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

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COUNTRY HEARTH INN

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