360 Painting vs CertaPro Painters
360 Painting vs CertaPro Painters: 360 Painting costs $112K–$196K to open; CertaPro Painters costs $50K–$919K. 360 Painting has 153 units, CertaPro Painters has 214. SBA loan history: 360 Painting = 108 loans (13.0% default); CertaPro Painters = 142 loans (4.2% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
360 Painting vs CertaPro Painters: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
CertaPro Painters requires the lower minimum capital commitment ($50K vs $112K for 360 Painting), a 125% spread. Initial franchise fees come in at $65K for 360 Painting versus $65K for CertaPro Painters. Ongoing royalty load is 6% for 360 Painting and 5% for CertaPro Painters, giving CertaPro Painters the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, CertaPro Painters operates 214 units to 360 Painting's 153. CertaPro Painters has been operating 34 years (founded 1992) versus 21 for 360 Painting (founded 2005), a 13-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
CertaPro Painters has the deeper SBA lending track record with 142 historical 7(a) approvals versus 108 for 360 Painting. 360 Painting's peak SBA year was 2020 (23 loans); CertaPro Painters's peak was 2023 (18 loans). CertaPro Painters's more recent peak generally indicates fresher lender appetite. Geographically, 360 Painting concentrates in TX (18 SBA-funded units) while CertaPro Painters leads in FL (11). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded 360 Painting deals is $162K vs $360K for CertaPro Painters, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for 360 Painting and 4.2% for CertaPro Painters, CertaPro Painters has the cleaner historical loss profile by 8.8 points. PeerSense FPI scores come in at 62 (Moderate) for 360 Painting and 80 (Excellent) for CertaPro Painters, giving CertaPro Painters the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 80/100 |
Health Tier | Moderate | Excellent |
Confidence | N/A | N/A |
Lending Trend | Stable | Stable |
SBA Lending
SBA Loans | 108 | 142 |
SBA Volume | – | – |
Default Rate | 13.0% | 4.2% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $112K – $196K | $50K – $919K |
Franchise Fee | $65K | $65K |
Royalty Rate | 6% | 5% |
Ad Fund | 2% | 3% |
Liquid Capital | $18K | $100K |
Net Worth Required | N/A | $200K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 153 | 214 |
Franchised Units | 153 | 214 |
Company-Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | 1992 |
Franchising Since | 2013 | 1960 |
Years Franchising | 13 yrs | 66 yrs |
Headquarters | COPPELL, TX | Audubon, PA |
Category | Painting | Painting |
Website | ||
FDD Year | 2026 | 2024 |
Which Is Better, 360 Painting or CertaPro Painters?
Lower upfront capital required
CertaPro Painters
360 Painting: $112K starting · CertaPro Painters: $50K starting
More SBA lender confidence
CertaPro Painters
360 Painting: 108 SBA loans · CertaPro Painters: 142 SBA loans
Lower historical default rate
CertaPro Painters
360 Painting: 13.0% · CertaPro Painters: 4.2%
Larger system & brand presence
CertaPro Painters
360 Painting: 153 units · CertaPro Painters: 214 units
Lower ongoing royalty load
CertaPro Painters
360 Painting: 6% · CertaPro Painters: 5%
More lender financing options
CertaPro Painters
360 Painting: 19 unique lenders · CertaPro Painters: 71 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
360 Painting vs CertaPro Painters: Franchise Funding Comparison
Comparing 360 Painting and CertaPro Painters is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $919K.
Both brands have active SBA lending histories, 360 Painting with 108 SBA loans and CertaPro Painters with 142. This means proven lender acceptance and established underwriting paths for franchise buyers.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
360 Painting vs CertaPro Painters, Frequently Asked Questions
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