Floor Coverings International Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
FranchiseVerdict summary · 2026
A Floor Coverings International franchise requires a total initial investment of $201K – $281K, including a $55K franchise fee. Per the 2026 FDD, average revenue per franchisee was $1.2M — this franchisor reports Item 19 per franchisee rather than per outlet, so the figure is not comparable with per-outlet averages[2]. SBA 7(a) loans show a 6.7% charge-off rate across 149 loans[1]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2026 FDD issuance
Overview
- Investment
- $201K – $281K
- 78th pct Home Services
- Avg gross sales
- $1.2M
- Per franchisee, not per outletOutlet subset
- Royalty
- N/A
- Units
- 309
- 81st pct Home Services
- SBA charge-off
- 6.7%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Home Services · color = vs category peers
Green = favorable by >10% vs Home Services 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
- COSTTotal investment $201K – $281K including a $55K franchise fee.
- RETURNSAverage unit revenue of $1.2M/year (median $1.0M) (reported for a subset of outlets rather than the whole system).
- RISKVerdict A (Strongest tier), verdict score 95/100 (higher is better). SBA loan charge-off rate of 6.7% across 149 loans (near or below the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHSystem growing at 22.6% CAGR over 3 years with 309 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Floorcoverings International, Ltd.
- Parent company
- FS Brands, Inc.
- Ultimate parent
- FirstService Corporation
- CEO title
- President, CEO and Director
- Thomas W. Wood
- Incorporated in
- Georgia
- HQ
- 5390 Triangle Parkway, Suite 125, Norcross, Georgia 30092
- Auditor
- PricewaterhouseCoopers LLP
- Audited financials
- Franchisor revenue
- $888.6M
- vs $850.4M prior year
Overview
About
Mobile retail floor covering (soft and hard flooring) and window treatment franchise; franchisees operate from a studio (office/warehouse), bring product samples to customers' homes/businesses, and coordinate ordering and installation via designated mills/suppliers and qualified installers.
- CEO
- Thomas W. Wood
- Headquarters
- Georgia
- Founded
- 1998
- FDD year
- 2026
Can you afford it, and what does the money buy?
Entry cost is about average for a home services franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $55K | $55K |
| Working capital (3–6 mo) | $35K | $65K |
| Equipment, build-out, other | $111K | $161K |
| Total initial investment | $201K | $281K |
Source: Floor Coverings International 2026 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
- $201K – $281K
- Bottom third — review vs category
- Liquid capital req'd
- $35K – $65K
- Bottom third — review vs category
- Franchise fee
- $55K
- Middle of category vs category
- Royalty
- Greater of 5% of Gross Sales or a tiered monthly minimum:…
- Ad fund
- 3.0%
- typical 3–5%
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | Minimum monthly royalty floors when 5% of Gross Sales is less than the floor: $833/month (months 1-12), $1,250/month (months 13-24), $1,667/month (month 25+) |
| Marketing / ad fund | 3.0% of gross sales |
| Transfer fee | $15K |
| Renewal fee | $10K |
What do units actually make?
Average unit sales land near the home services norm.
Averaged per franchisee, not per outlet - not comparable with per-outlet figures
Reported for a subset of outlets rather than the whole system
Source: FDD 2026 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for Floor Coverings International until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$291K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one Floor Coverings International unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2026 FDD
Financial Performance
Averaged per franchisee, not per outlet - not comparable with per-outlet figures
Reported for a subset of outlets rather than the whole system
- Avg gross sales
- $1.2M
- Per unit, per year
- Median gross sales
- $1.0M
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 sales cohorts
- Sample size
- 159 franchisees
- vs category median 32 · large
- Range (low → high)
- $254K→$9.8M
- Cohort dispersion (min → max)
- Quartile band
- $513K→$2.3M
- Bottom 25% → top 25%
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
Compared against 321 Home Services brands
Revenue is 5.0x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
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 $1.2M/year in gross sales. Median is $1.0M — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 5.0x. Reported for a subset of outlets rather than the whole system.
Operator retention
System expanding at 22.6% CAGR over 3 years across 309 units — operators are staying and new ones are joining.
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 Home Services averages
How Floor Coverings International Compares
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 309
- Opened
- 61
- Last reporting year
- Closed
- 25
- Terminated
- 15
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 12.9%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- +22.6%
- Net unit change over 3 years
- 3-yr CAGR
- +22.6%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 61
- Closed (3yr)
- 25
- Terminated (3yr)
- 15
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 17
- Reacquired (3yr)
- 0
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 149
- Loan volume
- $26.6M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 6.7%
- 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)
- 93.3%
- 5-yr charge-off
- 12.5%
- Loans approved 2021+
- Active lenders
- 35
- Defaults
- 10
- Typical loan rate
- 8.7%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 2383
- Jobs supported
- 736
- 2.8 per loan
- Lender concentration
- 36%
- top lender's share
Borrower mix: 0% went to startups / new businesses, 100% to established operators
Vintage analysis
Floor Coverings International charge-off rate by loan vintage
Top lenders financing Floor Coverings International franchisees
Showing 3 of 35 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.
What could kill this investment?
SBA loans charge off at 6.7% — 58% below the 16.0% national norm, i.e. lower 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)
FCI is plaintiff in 6 pending federal court actions (N.D. Georgia) against former franchisees for breach of post-term restrictive covenants, trademark infringement, misappropriation of trade secrets, and/or collection of monies owed; 2 of these (Justice, Bae) involve franchisee counterclaims alleging breach of contract/fraud. No bankruptcy disclosed. No litigation against FCI by third parties or regulators disclosed.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · PricewaterhouseCoopers LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
ⓘ These are the parent company's consolidated financials (the parent guarantees the franchisor), not this brand's standalone results — the figure reflects the whole corporate group, not this brand alone.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
What are you signing up for?
Source: FDD 2026 · 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 | protected |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory sizeℹ | 50,000-80,000 single family dwellings per DMA |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Termination groundsℹ | 17 |
| Curable defaultsℹ | 4 |
| Mandatory arbitration | No |
| Arbitration location | Norcross, Georgia (mediation under AAA Commercial Mediation Rules; litigation in Georgia state or federal court) |
| Jury trial waiver | Yes |
| Governing law | Georgia |
| Litigation count | 6 |
View Item 3 litigation summary
FCI is plaintiff in 6 pending federal court actions (N.D. Georgia) against former franchisees for breach of post-term restrictive covenants, trademark infringement, misappropriation of trade secrets, and/or collection of monies owed; 2 of these (Justice, Bae) involve franchisee counterclaims alleging breach of contract/fraud. No bankruptcy disclosed. No litigation against FCI by third parties or regulators disclosed.
Items 10, 11
Training & Operations
- Classroom training
- 152 hrs
- On-the-job training
- 62 hrs
- Training location
- FCI headquarters in suburban Atlanta, Georgia (or virtual)
- Ongoing training
- Required
- Franchisor financing
- Offered
- Item 10
- POS system
- InspireNet / InspireNet Mobile
- Operating tech stack
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Floor Coverings International franchise?
The total investment to open a Floor Coverings International franchise ranges from $201K – $281K, with an initial franchise fee of $55K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Floor Coverings International franchise owners earn?
According to Item 19 of the Floor Coverings International FDD, the average gross sales per unit is $1.2M. The median is $1.0M. Important context: Averaged per franchisee, not per outlet - not comparable with per-outlet figures; Reported for a subset of outlets rather than the whole system. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Item 19 in the Floor Coverings International FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Floor Coverings International FDD and qualifies whose outlets they describe.
What is Floor Coverings International's franchise failure rate?
Based on SBA 7(a) loan data, Floor Coverings International has a charge-off rate of 6.7% across 149 loans, meaning 6.7% 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 Floor Coverings International franchise locations are there?
As of their most recent FDD filing, Floor Coverings International has 309 total units in the United States, including 309 franchised units and 0 company-owned units. 61 new units were opened in the latest reporting year.
Is Floor Coverings International a good franchise to buy?
FranchiseVerdict rates Floor Coverings International as a A-grade franchise with a verdict score of 95 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
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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.