Sears Authorized Hometown Stor
The total investment to open a Sears Authorized Hometown Stor franchise ranges from $25,000 to $458,580. The initial franchise fee is $25,000.
What is the Sears Authorized Hometown Stor franchise?
Sears Authorized Hometown Stor is a retail franchise that sells household appliances to local customers. The estimated total initial investment is $25,000 to $458,580, and the initial franchise fee is the lower end of that range.
The brand’s headquarters are in OR.
Loan Activity Score
26/100
SBA Default Rate
22.2%
Active Lenders
15
According to its Franchise Disclosure Document or public business records, Sears Authorized Hometown Stor has 16 locations, all owned by franchisees. Public SBA loan records show 15 lenders made 18 loans to franchisees of Sears Authorized Hometown Stor. PeerSense calculates Sears Authorized Hometown Stor's score as 26 out of 100, using public SBA loan performance and recent lending activity.
16 locations
$25,000 to $458,580
$25,000
16
16 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Sears Authorized Hometown Stor
18
Total SBA loans
$215K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sears Authorized Hometown Stor
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
22.2%
vs 13.6% peer avg
SBA Loans
18
Total Volume
$3.9M
Active Lenders
15
1 selective
States
16
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 Sears Authorized Hometown Stor based on SBA lending data
SBA Default Rate
22.2%
8.6% above peer avg
SBA Loan Volume
18 loans
Across 15 lenders
Lender Diversity
15 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$25,000 to $458,580 total
Sears Authorized Hometown Stor: 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
2015
7 approvals. The best year on record for Sears Authorized Hometown Stor.
Top SBA State
Washington
2 SBA financed Sears Authorized Hometown Stor locations, the densest operator footprint.
Average Loan Size
$218K
Median $147K. Use as a sizing anchor when modeling your own Sears Authorized Hometown Stor unit.
Lender Concentration
28.6%
Moderately Spread
Share of Sears Authorized Hometown Stor approvals captured by the top 3 SBA lenders.
Sears Authorized Hometown Stor's SBA lending pipeline peaked in 2015 (7 approvals). The last five fiscal years account for 6% of cumulative volume ($65K approved). Operator density is highest in Washington with 2 SBA financed locations. Average funded ticket sits at $218K, with the median at $147K. Lender mix is moderately spread: the top three SBA lenders account for 28.6% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$259
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
Sears Authorized Hometown Stor, 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