360 Painting vs Five Star Bath Solutions
360 Painting vs Five Star Bath Solutions: 360 Painting costs $112K–$196K to open; Five Star Bath Solutions costs $49K–$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, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
360 Painting vs Five Star Bath Solutions: 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
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 historical 7(a) approvals versus 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. Geographically, 360 Painting concentrates in TX (18 SBA-funded units) while Five Star Bath Solutions leads in CA (10). Pick the brand whose strongest state matches yours for warmest 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 historical loss profile 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 – $196K | $49K – $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 | Not 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 historical 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.
Both brands have active SBA lending histories, 360 Painting with 108 SBA loans and Five Star Bath Solutions with 70. 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 Five Star Bath Solutions, Frequently Asked Questions
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