360 Painting vs Groovy Hues
360 Painting vs Groovy Hues: 360 Painting costs $112K to $196K to open; Groovy Hues costs $165K to $211K. 360 Painting has 153 units, Groovy Hues has 26. SBA loan history: 360 Painting = 108 loans (13.0% default); Groovy Hues = 39 loans (0.0% 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 Groovy Hues: 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
360 Painting requires the lower minimum capital commitment ($112K vs $165K for Groovy Hues), a 32% spread. Initial franchise fees come in at $65K for 360 Painting versus $60K for Groovy Hues, Groovy Hues has the lower entry fee. Ongoing royalty load is 6% for 360 Painting and 6% for Groovy Hues, equal royalty drag.
System Scale & Tenure
On scale, 360 Painting operates 153 units to Groovy Hues's 26, roughly 6× the system size. 360 Painting has been operating 21 years (founded 2005) versus 4 for Groovy Hues (founded 2022), a 17-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 39 for Groovy Hues.
Risk Signal
SBA default rates are 13.0% for 360 Painting and 0.0% for Groovy Hues, Groovy Hues has the cleaner SBA loss record by 13.0 points. PeerSense FPI scores come in at 62 (Moderate) for 360 Painting and 69 (Strong) for Groovy Hues, giving Groovy Hues the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 69/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Stable | N/A |
SBA Lending
SBA Loans | 108 | 39 |
SBA Volume | – | – |
Default Rate | 13.0% | 0.0% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $112K to $196K | $165K to $211K |
Franchise Fee | $65K | $60K |
Royalty Rate | 6% | 6% |
Ad Fund | 2% | N/A |
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 | 26 |
Franchised Units | 153 | 26 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | 2022 |
Franchising Since | 2013 | 2022 |
Years Franchising | 13 yrs | 4 yrs |
Headquarters | COPPELL, TX | Omaha, NE |
Category | Painting | Painting |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, 360 Painting or Groovy Hues?
Lower upfront capital required
360 Painting
360 Painting: $112K starting · Groovy Hues: $165K starting
More SBA lender confidence
360 Painting
360 Painting: 108 SBA loans · Groovy Hues: 39 SBA loans
Lower SBA default rate
Groovy Hues
360 Painting: 13.0% · Groovy Hues: 0.0%
Larger system & brand presence
360 Painting
360 Painting: 153 units · Groovy Hues: 26 units
Lower ongoing royalty load
Tie
360 Painting: 6% · Groovy Hues: 6%
More lender financing options
360 Painting
360 Painting: 19 unique lenders · Groovy Hues: 8 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 Groovy Hues: Franchise Funding Comparison
Comparing 360 Painting and Groovy Hues is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $112K to $211K.
360 Painting has 108 SBA loans on record and Groovy Hues has 39. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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 Groovy Hues, Frequently Asked Questions
Which is a better franchise investment, 360 Painting or Groovy Hues?
How much does a 360 Painting franchise cost compared to Groovy Hues?
Can I finance 360 Painting or Groovy Hues with an SBA loan?
Which has a lower SBA default rate, 360 Painting or Groovy Hues?
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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; 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