Nature's Pet Market/Earthwise
The total investment to open a Nature's Pet Market/Earthwise franchise ranges from $28,000 to $331,640.
What is the Nature's Pet Market/Earthwise franchise?
Nature's Pet Market/Earthwise is a store that sells pet food and supplies to pet owners. Estimated total initial investment is $28,000 to $331,640.
The brand was founded in 2005 and is headquartered in Woodinville, WA.
Loan Activity Score
46/100
SBA Default Rate
7.1%
Active Lenders
10
According to its Franchise Disclosure Document or public business records, Nature's Pet Market/Earthwise has 10 locations, all owned by franchisees. Public SBA loan records show 10 lenders made 14 loans to franchisees of Nature's Pet Market/Earthwise. PeerSense calculates Nature's Pet Market/Earthwise's score as 46 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2005 · 10 locations
$28,000 to $331,640
10
10 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Nature's Pet Market/Earthwise
14
Total SBA loans
$327K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Nature's Pet Market/Earthwise
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
7.1%
vs 10.8% peer avg
SBA Loans
14
Total Volume
$4.6M
Active Lenders
10
1 selective
States
5
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 Nature's Pet Market/Earthwise based on SBA lending data
SBA Default Rate
7.1%
3.7% below peer avg
SBA Loan Volume
14 loans
Across 10 lenders
Lender Diversity
10 lenders
Avg 1.4 loans per lender
Investment Tier
Mid range investment
$28,000 to $331,640 total
Nature's Pet Market/Earthwise: 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
4 approvals. The best year on record for Nature's Pet Market/Earthwise.
Top SBA State
Washington
4 SBA financed Nature's Pet Market/Earthwise locations, the densest operator footprint.
Average Loan Size
$327K
Median $189K. Use as a sizing anchor when modeling your own Nature's Pet Market/Earthwise unit.
Lender Concentration
50%
Concentrated
Share of Nature's Pet Market/Earthwise approvals captured by the top 3 SBA lenders.
Nature's Pet Market/Earthwise's SBA lending pipeline peaked in 2019 (4 approvals). The last five fiscal years account for 50% of cumulative volume ($3.0M approved). Operator density is highest in Washington with 4 SBA financed locations. Average funded ticket sits at $327K, with the median at $189K. 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
Estimated Monthly Payment
$290
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
Nature's Pet Market/Earthwise, 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; 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