Sears Authorized Hometown Stor Franchise Cost, Revenue & Review 2026
Analysis by FranchiseVerdict Research · Methodology
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
FranchiseVerdict summary · 2026
A Sears Authorized Hometown Stor franchise has no franchise disclosure document on file, so investment figures are not available. SBA 7(a) loans show a 22.2% charge-off rate across 20 loans[1]. Run a live ROI scan →
Data last verified
Overview
- SBA loans
- 20
- Loan volume
- $4.4M
- Charge-off rate
- 22.2%
- system-wide median varies by category
- Avg loan
- $220K
- Lenders
- 17
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 20
- Loan volume
- $4.4M
- Median loan
- $141K
- 50th percentile
- Charge-off rate
- 22.2%
- 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)
- 77.8%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 17
- Defaults
- 4
- Typical loan rate
- 5.9%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 4431
- Jobs supported
- 124
- 2.8 per loan
- Lender concentration
- 15%
- top lender's share
Borrower mix: 0% went to startups / new businesses, 100% to established operators
Top lenders financing Sears Authorized Hometown Stor franchisees
Showing 3 of 17 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 22.2% charge-off rate means roughly 1 in 5 franchisees failed to repay their SBA loan. Investigate what changed.
Frequently asked questions
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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.