360 Painting vs Five Star Bath Solutions
360 Painting vs Five Star Bath Solutions: 360 Painting costs $112K to $196K to open; Five Star Bath Solutions costs $49K to $389K. 360 Painting has 153 units, Five Star Bath Solutions has 50. SBA loan history: 360 Painting = 108 loans (13.0% default); Five Star Bath Solutions = 70 loans (4.3% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
360 Painting vs Five Star Bath Solutions: Capital, Scale & Lending Analysis
Analysis based on 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
Five Star Bath Solutions requires the lower minimum capital commitment ($49K vs $112K for 360 Painting), a 131% spread. Initial franchise fees come in at $65K for 360 Painting versus $30K for Five Star Bath Solutions, Five Star Bath Solutions has the lower entry fee. Ongoing royalty load is 6% for 360 Painting and 5% for Five Star Bath Solutions, giving Five Star Bath Solutions the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, 360 Painting operates 153 units to Five Star Bath Solutions's 50, roughly 3× the system size. Five Star Bath Solutions has been operating 30 years (founded 1996) versus 21 for 360 Painting (founded 2005), a 9-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
360 Painting has the deeper SBA lending track record, with 108 7(a) approvals compared with 70 for Five Star Bath Solutions. 360 Painting's peak SBA year was 2020 (23 loans); Five Star Bath Solutions's peak was 2025 (26 loans). Five Star Bath Solutions's more recent peak generally indicates fresher lender appetite. 360 Painting has the most SBA funded units in TX, with 18. Five Star Bath Solutions leads in CA, with 10. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded 360 Painting deals is $162K vs $211K for Five Star Bath Solutions, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for 360 Painting and 4.3% for Five Star Bath Solutions, Five Star Bath Solutions has the cleaner SBA loss record by 8.7 points. PeerSense FPI scores come in at 62 (Moderate) for 360 Painting and 84 (Excellent) for Five Star Bath Solutions, giving Five Star Bath Solutions the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 84/100 |
Health Tier | Moderate | Excellent |
Confidence | N/A | N/A |
Lending Trend | Stable | Growing |
SBA Lending
SBA Loans | 108 | 70 |
SBA Volume | – | – |
Default Rate | 13.0% | 4.3% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $112K to $196K | $49K to $389K |
Franchise Fee | $65K | $30K |
Royalty Rate | 6% | 5% |
Ad Fund | 2% | 1% |
Liquid Capital | $18K | $50K |
Net Worth Required | N/A | $100K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 153 | 50 |
Franchised Units | 153 | 50 |
Company Owned | – | – |
Term Length | 10 yrs | 11 yrs |
Brand Information
Year Founded | 2005 | 1996 |
Franchising Since | 2013 | 2002 |
Years Franchising | 13 yrs | 24 yrs |
Headquarters | COPPELL, TX | HUNTINGTON BEACH, CA |
Category | Painting | Painting |
Website | ||
FDD Year | 2026 | 2025 |
Which Is Better, 360 Painting or Five Star Bath Solutions?
Lower upfront capital required
Five Star Bath Solutions
360 Painting: $112K starting · Five Star Bath Solutions: $49K starting
More SBA lender confidence
360 Painting
360 Painting: 108 SBA loans · Five Star Bath Solutions: 70 SBA loans
Lower SBA default rate
Five Star Bath Solutions
360 Painting: 13.0% · Five Star Bath Solutions: 4.3%
Larger system & brand presence
360 Painting
360 Painting: 153 units · Five Star Bath Solutions: 50 units
Lower ongoing royalty load
Five Star Bath Solutions
360 Painting: 6% · Five Star Bath Solutions: 5%
More lender financing options
360 Painting
360 Painting: 19 unique lenders · Five Star Bath Solutions: 15 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 Five Star Bath Solutions: Franchise Funding Comparison
Comparing 360 Painting and Five Star Bath Solutions is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $49K to $389K.
360 Painting has 108 SBA loans on record and Five Star Bath Solutions has 70. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
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 Five Star Bath Solutions, Frequently Asked Questions
Which is a better franchise investment, 360 Painting or Five Star Bath Solutions?
How much does a 360 Painting franchise cost compared to Five Star Bath Solutions?
Can I finance 360 Painting or Five Star Bath Solutions with an SBA loan?
Which has a lower SBA default rate, 360 Painting or Five Star Bath Solutions?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman