Country Visions Franchise Cost, Revenue & Review 2026
Analysis by FranchiseVerdict Research · Methodology
FranchiseVerdict summary · 2026
A Country Visions franchise requires a total initial investment of $150K – $342K, including a $20K – $40K franchise fee and an ongoing 5.5% royalty[2]. Per the latest FDD, average unit revenue was $606K[2]. SBA 7(a) loans show a 47.8% charge-off rate across 26 loans[1]. FranchiseVerdict grade: D (Below average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified
Overview
- Investment
- $150K – $342K
- 15th pct Retail
- Avg gross sales
- $606K
- 6th pct Retail
- Royalty
- 5.5%
- 17th pct Retail
- Units
- 85
- 25th pct Retail
- SBA charge-off
- 47.8%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Retail · color = vs category peers
Green = favorable by >10% vs Retail avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- Total investment $150K – $342K including a $20K franchise fee, 5.5% ongoing royalty.
- Average unit revenue of $606K/year.
- Verdict D (Below average), verdict score 29/100 (higher is better). SBA loan charge-off rate of 47.8% across 26 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- System contracting at -21.3% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Country Visions, Inc.
- Predecessor
- Country Clutter
- Prior franchisor entity
- CEO title
- President and CEO
- Christopher Lanning
- Incorporated in
- California
- HQ
- 1339 Oliver Road, Suite A, Fairfield, California 94534
Overview
About
Retail store selling fashion apparel and accessories, bath and body products, gifts, wall decor and other merchandise under the mark "Apricot Lane Boutique"
- CEO
- Christopher Lanning
- Headquarters
- California
- Founded
- 1996
Can you afford it, and what does the money buy?
Entry cost runs 40% below the typical retail franchise.
Source: FDD · Items 5–7
FDD Item 7
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $20K | $20K |
| Working capital (3–6 mo) | $20K | $40K |
| Equipment, build-out, other | $110K | $282K |
| Total initial investment | $150K | $342K |
Source: Country Visions FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $150K – $342K
- Top 40% of category vs category
- Liquid capital req'd
- $20K – $40K
- Top 40% of category vs category
- Franchise fee
- $20K – $40K
- Top 40% of category vs category
- Royalty
- 5.5%
- percentage · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 5.5% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Transfer fee | $30K |
| Inventory (initial) | $35K – $45K |
What do units actually make?
Average unit sales run 40% below the retail norm.
Source: FDD · Item 19
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$52K
8.5% margin
Unlevered ROIC
19%
EBITDA / total invested capital
Payback
5.4 yrs
cash-on-cash, unlevered
Financial Performance
- Avg gross sales
- $606K
- Per unit/yr · from the Item 19 franchised-cohort breakdown (no single system-wide average disclosed)
- Median gross sales
- N/A
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- Gross Revenues by cohort (Top 10, Top 20, Bottom 20, Bottom 10) for 50 franchised Stores open full 12 months ending Dec 31 2025
- Sample size
- 50 units
- vs category median 47
- Range (low → high)
- $74K→$1.2M
- Cohort dispersion (min → max)
- Reporting year
- 2026
- Fiscal year the figures cover
Compared against 307 Retail brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $606K/year in gross sales. Revenue-to-investment ratio: 2.5x.
Fee burden
5.5% royalty + 1.0% ad fund.
Operator retention
System contracting at -21.3% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Retail averages
How Country Visions Compares
Is the system healthy?
Source: FDD · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 85
- Opened
- N/A
- Last reporting year
- Closed
- N/A
- Turnover rate
- 28.2%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -21.3%
- Net unit change over 3 years
- 3-yr CAGR
- -21.3%
- Compounded over last 3 years
3-year detail · Item 20
- Closed (3yr)
- 24
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
A system losing more than 10% of its units year-over-year is a red flag. Check whether closures are concentrated in specific regions.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 26
- Loan volume
- $4.2M
- Median loan
- $179K
- 50th percentile
- Charge-off rate
- 47.8%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 52.2%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 13
- Defaults
- 11
- Typical loan rate
- 5.6%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 4532
- Jobs supported
- 96
- 2.5 per loan
- Lender concentration
- 26%
- top lender's share
Borrower mix: 0% went to startups / new businesses, 100% to established operators
Top lenders financing Country Visions franchisees
Showing 3 of 13 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
A 47.8% charge-off rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 47.8% — 198% above the 16.0% national norm, i.e. higher lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Litigation (Item 3)
No litigation is required to be disclosed in this Item.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
What are you signing up for?
Ongoing fees run about 6.5% of sales (royalty + ad fund), before rent and labor.
Source: FDD · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | none |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 2 mi |
| Franchisor can compete | Yes |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 10 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Solano County, California |
| Governing law | California |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in this Item.
Items 10, 11
Training & Operations
- On-the-job training
- 55 hrs
- Training location
- Virtual, Webinars, Online, Fashion District, in-Boutique
- Ongoing training
- Required
- Time to open
- 6 mo
- From signing to launch
- Site selection
- Franchisor-recommended national real estate broker; franchisee ultimately responsible
- Franchisor financing
- Not offered
- Item 10
Items 5 & 11
Franchisor Support
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Country Visions franchise?
The total investment to open a Country Visions franchise ranges from $150K – $342K, with an initial franchise fee of $20K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Country Visions franchise owners earn?
According to Item 19 of the Country Visions FDD, the average gross sales per unit is $606K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Country Visions's franchise failure rate?
Based on SBA 7(a) loan data, Country Visions has a charge-off rate of 47.8% across 26 loans, meaning 47.8% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many Country Visions franchise locations are there?
As of their most recent FDD filing, Country Visions has 85 total units in the United States, including 85 franchised units and 0 company-owned units.
Is Country Visions a good franchise to buy?
FranchiseVerdict rates Country Visions as a D-grade franchise with a verdict score of 29 out of 100 (higher is better), based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
Are you the franchisor?
If you represent Country Visions, you can request corrections or provide updated information.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.