Ucc Total Home
The total investment to open a Ucc Total Home franchise ranges from $50,000 to $383,000.
What is the Ucc Total Home franchise?
Ucc Total Home sells home furnishings to people furnishing their homes. Estimated total initial investment to open is $50,000 to $383,000.
The franchise is based in MN.
Loan Activity Score
21/100
SBA Default Rate
18.2%
Active Lenders
8
According to its Franchise Disclosure Document or public business records, Ucc Total Home has 9 locations, all owned by franchisees. Public SBA loan records show 8 lenders made 11 loans to franchisees of Ucc Total Home. PeerSense calculates Ucc Total Home's score as 21 out of 100, using public SBA loan performance and recent lending activity.
9 locations
$50,000 to $383,000
9
9 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Ucc Total Home
11
Total SBA loans
$265K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Ucc Total Home
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
18.2%
vs 13.6% peer avg
SBA Loans
11
Total Volume
$2.9M
Active Lenders
8
States
8
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 Ucc Total Home based on SBA lending data
SBA Default Rate
18.2%
4.6% above peer avg
SBA Loan Volume
11 loans
Across 8 lenders
Lender Diversity
8 lenders
Avg 1.4 loans per lender
Investment Tier
Mid range investment
$50,000 to $383,000 total
Ucc Total Home: 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
2005
3 approvals. The best year on record for Ucc Total Home.
Top SBA State
Ohio
2 SBA financed Ucc Total Home locations, the densest operator footprint.
Average Loan Size
$265K
Median $150K. Use as a sizing anchor when modeling your own Ucc Total Home unit.
Lender Concentration
54.5%
Concentrated
Share of Ucc Total Home approvals captured by the top 3 SBA lenders.
Ucc Total Home's SBA lending pipeline peaked in 2005 (3 approvals). Operator density is highest in Ohio with 2 SBA financed locations. Average funded ticket sits at $265K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 54.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$518
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
Ucc Total Home, 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