How many GOTCHA COVERED franchise locations are there?

As of the 2026 FDD, GOTCHA COVERED has 172 franchise locations. The company has been franchising since 2009.

Can you get an SBA loan for a GOTCHA COVERED franchise?

Yes, SBA loans are available for GOTCHA COVERED franchises. We have historical SBA 7(a) loan data on file including approval counts, average loan amounts, and default rates. Get full access to see the complete SBA loan history.

Is GOTCHA COVERED a good franchise to buy?

GOTCHA COVERED shows several positive indicators: established brand with 172+ locations, low SBA loan default rate. However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.

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GOTCHA COVERED

Gotcha Covered franchises operate mobile businesses that sell and install window treatments, including draperies, fabrics, drapery hardware, bedroom ensembles, blinds, shades, and other related merchandise. Franchisees meet customers in their homes or offices to present samples, quote prices, complete orders, and typically subcontract installations to third-party contractors. They target both residential consumers and commercial businesses in the competitive interior decorating sector.

FDD Year:

172locations

$123K–$167K

Since 2009

ServicesSpringville, UTFS PEP Holdco, LLC (affiliate of Princeton Equity Group, LLC)www.gotchacovered.comDisclaimer

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Franchise Costs

Franchise Fee

$69,900

Initial Investment

$122,760 – $166,500

Royalty Rate

N/A

Brand Fund

N/A

Fixed Monthly Fees

$676 – $976

Monthly royalty ($350-$2,250 depending on months in operation) + monthly marketing fund ($125-$1,000) + $476/mo technology fee + $200-$500/mo software fees

Financial Performance

Item 19 Financial Performance

This franchise did not provide Item 19 financial performance data.

Be careful if you are interested in investing. The lack of financial performance representations may indicate limited data or varying results across franchises.

Extracted Item 19 Section

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GOTCHA COVERED Franchise Analysis

Imagine launching a mobile service bringing window treatments right to customers' doors in the lucrative home decor market. Gotcha Covered has built a network since 2009, with SBA financing playing a big role in expansion, yet it skips Item 19 earnings disclosure. Terminations and litigation hints surface, but what do the loan stats and contract stability really signal for your shot at success?

Item 7 lays out the initial investment at $122,760-$166,500, including a hefty $69,900 franchise fee that covers training and grand opening support for this low-overhead, home-based model targeting residential and commercial clients. Ongoing fees stack up with royalties scaling from $350-$2,250 monthly based on tenure, plus $125-$1,000 marketing fund, $476 tech fee, and $200-$500 software—potentially $4,000+ monthly at scale. No Item 19 means no validated revenue or profit figures, forcing reliance on FDD projections and anecdotes; this opacity raises flags for buyers craving hard financial benchmarks in a competitive sector.

The system's 172 locations reflect moderate growth, backed by 46 SBA loans averaging $136,252 but with an 8.7% default rate—better than many but worth scrutinizing amid 18 terminations, 3 non-renewals, and 2 transfers over the disclosure period. A single litigation case involved a former franchisee's breach, abandonment, and deposit issues, signaling execution risks in subcontracted installs. For home services investors eyeing $100K+ entry, Gotcha Covered offers accessible scaling via Princeton Equity backing, but the lack of earnings data and fee creep demand digging into Item 20/21 for unit-level trends before committing.

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Analysis based on the 2026 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.

How GOTCHA COVERED Compares

Key Insights

Lower than average SBA loan default rate in Home Services

Franchise	Investment	Fee	Royalty	Locations
GOTCHA COVERED Current	$123K – $167K	$70K	N/A	172
MERRY MAIDS	$127K – $166K	$55K	7.0%	933
HOLIDAY LIGHTING HEROES	$136K – $164K	$118K	10.0%	672
MOSQUITO AUTHORITY	$54K – $128K	$45K	10.0%	546
Culligan	$130K – $814K	$40K	2.0%	460
ONE HOUR AIR CONDITIONING AND HEATING;	$143K – $287K	$43K	6.0%	418
Home Services Average 137 franchises	$144K – $272K	$52K	6.8%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 137 Home Services franchises by location count.