360 Painting vs Five Star Painting
360 Painting vs Five Star Painting: 360 Painting costs $112K–$196K to open; Five Star Painting costs $77K–$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, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
360 Painting vs Five Star Painting: 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 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 historical 7(a) approvals versus 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. Geographically, 360 Painting concentrates in TX (18 SBA-funded units) while Five Star Painting leads in FL (8). Pick the brand whose strongest state matches yours for warmest 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 historical loss profile 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 – $196K | $77K – $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 historical 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.
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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.
Both brands have active SBA lending histories, 360 Painting with 108 SBA loans and Five Star Painting with 75. 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 Painting, Frequently Asked Questions
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