USA Insulation vs Closets By Design
Franchise Comparison 2026
Both USA Insulation and Closets By Design are home services franchises. USA Insulation requires an investment of $266K – $410K while Closets By Design requires $154K – $511K. In terms of revenue, Closets By Design reports higher average unit revenue at $9.9M. On SBA loan performance, USA Insulation has a lower charge-off rate (2.6%) compared to Closets By Design (17.1%). FranchiseVerdict rates USA Insulation B (Above Average) and Closets By Design B (Above Average).
| Metric | USA Insulation | Closets By Design |
|---|---|---|
| Verdict Grade | BAbove AverageAbove Average | BAbove AverageAbove Average |
| Investment Range | $266K – $410K | $154K – $511K |
| Franchise Fee | $55K | $20K |
| Royalty Rate | Greater of 5% of Gross Sales or $1,000 per month | Greater of (i) 7.25% of Gross Revenues, or (ii) Minimum Royalty of $3,000 per month. |
| Average Revenue (Item 19) | $8.8M | $9.9M |
| SBA Charge-Off Rate | 2.6% (39 loans) | 17.1% (45 loans) |
| Total Units | 101 | 85 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2006 | 2001 |
| FDD Year | 2024 | 2025 |
Investment Range
$266K – $410K
$154K – $511K
Franchise Fee
$55K
$20K
Royalty Rate
Greater of 5% of Gross Sales or $1,000 per month
Greater of (i) 7.25% of Gross Revenues, or (ii) Minimum Royalty of $3,000 per month.
Average Revenue (Item 19)
$8.8M
$9.9M
SBA Charge-Off Rate
2.6% (39 loans)
17.1% (45 loans)
Total Units
101
85
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2006
2001
FDD Year
2024
2025