Buddy's Home Furnishings vs G.J. Gardner Homes
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Buddy's Home Furnishings
Real Estate
Investment
$376K to $798K
Franchise fee
$39,900
Item 19 status
Cost Data Only
Units
303
G.J. Gardner Homes
Real Estate
Investment
$151K to $348K
Franchise fee
$50,000
Item 19 status
Revenue Only
Units
6
Lower entry cost
Leans right
Based on minimum initial investment.
Better disclosed economics
Even
Uses Item 19 availability and transparency status.
Lower SBA default risk
Even
Treat low-loan brands carefully, sample size matters.
| Metric | Buddy's Home Furnishings | G.J. Gardner Homes |
|---|---|---|
Franchise Fee | $39,900 | $50,000 |
Min Investment | $376K | $151K |
Max Investment | $798K | $348K |
Royalty Rate | 6.0% | 4.0% |
Ad Fund Rate | 2.0% | 1.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 8.0% | 5.0% |
Median Revenue (Item 19) | N/A | $4.8M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | N/A | 286.5% |
Payback Period | N/A | 0.3 yrs |
Revenue per Dollar Invested | N/A | 19.10x |
Franchised Units | 303 | 6 |
1-Year Net Unit Change | 1 | -2 |
Net Unit Growth Rate | 0.3% | N/A |
Net Closure Rate Net closure proxy based on disclosed unit change. | N/A | 25.0% |
SBA Default Rate | 0.0% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 13 | 4 |
Average SBA Loan Size | $647K | $500K |
Item 19 Status | Cost Data Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 85 | 100 |
What stands out
- • Buddy's Home Furnishings opens at $376K to $798K, while G.J. Gardner Homes ranges from $151K to $348K.
- • Buddy's Home Furnishings shows an Item 19 disclosure; G.J. Gardner Homes shows an Item 19 disclosure.
- • Buddy's Home Furnishings has 303 franchised units versus 6 for G.J. Gardner Homes.
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Last updated: April 2026