360 Painting vs Five Star Painting
360 Painting vs Five Star Painting: 360 Painting costs $112K to $196K to open; Five Star Painting costs $77K to $185K. 360 Painting has 153 units, Five Star Painting has 245. SBA loan history: 360 Painting = 108 loans (13.0% default); Five Star Painting = 75 loans (14.7% 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 Painting: 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 Painting requires the lower minimum capital commitment ($77K vs $112K for 360 Painting), a 45% spread. Initial franchise fees come in at $65K for 360 Painting versus $45K for Five Star Painting, Five Star Painting has the lower entry fee. Ongoing royalty load is 6% for 360 Painting and 6% for Five Star Painting, equal royalty drag.
System Scale & Tenure
On scale, Five Star Painting operates 245 units to 360 Painting's 153.
SBA Lending Profile
360 Painting has the deeper SBA lending track record, with 108 7(a) approvals compared with 75 for Five Star Painting. 360 Painting's peak SBA year was 2020 (23 loans); Five Star Painting's peak was 2019 (15 loans). 360 Painting's more recent peak generally indicates fresher lender appetite. 360 Painting has the most SBA funded units in TX, with 18. Five Star Painting leads in FL, with 8. 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 $155K for Five Star Painting, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for 360 Painting and 14.7% for Five Star Painting, 360 Painting has the cleaner SBA loss record by 1.7 points. PeerSense FPI scores come in at 62 (Moderate) for 360 Painting and 59 (Moderate) for Five Star Painting, giving 360 Painting the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 59/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Stable | Declining |
SBA Lending
SBA Loans | 108 | 75 |
SBA Volume | – | – |
Default Rate | 13.0% | 14.7% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $112K to $196K | $77K to $185K |
Franchise Fee | $65K | $45K |
Royalty Rate | 6% | 6% |
Ad Fund | 2% | 2% |
Liquid Capital | $18K | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 153 | 245 |
Franchised Units | 153 | 245 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | N/A |
Franchising Since | 2013 | 2007 |
Years Franchising | 13 yrs | 19 yrs |
Headquarters | COPPELL, TX | CHARLESTON, SC |
Category | Painting | Painting |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, 360 Painting or Five Star Painting?
Lower upfront capital required
Five Star Painting
360 Painting: $112K starting · Five Star Painting: $77K starting
More SBA lender confidence
360 Painting
360 Painting: 108 SBA loans · Five Star Painting: 75 SBA loans
Lower SBA default rate
360 Painting
360 Painting: 13.0% · Five Star Painting: 14.7%
Larger system & brand presence
Five Star Painting
360 Painting: 153 units · Five Star Painting: 245 units
Lower ongoing royalty load
Tie
360 Painting: 6% · Five Star Painting: 6%
More lender financing options
360 Painting
360 Painting: 19 unique lenders · Five Star Painting: 18 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.
Need Funding for 360 Painting or Five Star Painting?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
360 Painting vs Five Star Painting: Franchise Funding Comparison
Comparing 360 Painting and Five Star Painting is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $77K to $196K.
360 Painting has 108 SBA loans on record and Five Star Painting has 75. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
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 Painting, Frequently Asked Questions
Which is a better franchise investment, 360 Painting or Five Star Painting?
How much does a 360 Painting franchise cost compared to Five Star Painting?
Can I finance 360 Painting or Five Star Painting with an SBA loan?
Which has a lower SBA default rate, 360 Painting or Five Star Painting?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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