360 Painting vs That 1 Painter
360 Painting vs That 1 Painter: 360 Painting costs $112K to $196K to open; That 1 Painter costs $44K to $425K. 360 Painting has 153 units, That 1 Painter has 29. SBA loan history: 360 Painting = 108 loans (13.0% default); That 1 Painter = 42 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 That 1 Painter: 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
That 1 Painter requires the lower minimum capital commitment ($44K vs $112K for 360 Painting), a 155% spread. Initial franchise fees come in at $65K for 360 Painting versus $34K for That 1 Painter, That 1 Painter has the lower entry fee. Ongoing royalty load is 6% for 360 Painting and 6% for That 1 Painter, equal royalty drag.
System Scale & Tenure
On scale, 360 Painting operates 153 units to That 1 Painter's 29, roughly 5× the system size.
SBA Lending Profile
360 Painting has the deeper SBA lending track record, with 108 7(a) approvals compared with 42 for That 1 Painter. 360 Painting's peak SBA year was 2020 (23 loans); That 1 Painter's peak was 2024 (24 loans). That 1 Painter's more recent peak generally indicates fresher lender appetite. 360 Painting has the most SBA funded units in TX, with 18. That 1 Painter leads in VA, with 5. 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 That 1 Painter, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for 360 Painting and 0.0% for That 1 Painter, That 1 Painter has the cleaner SBA loss record by 13.0 points. PeerSense FPI scores come in at 62 (Moderate) for 360 Painting and 70 (Strong) for That 1 Painter, giving That 1 Painter the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 70/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Stable | N/A |
SBA Lending
SBA Loans | 108 | 42 |
SBA Volume | – | – |
Default Rate | 13.0% | 0.0% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $112K to $196K | $44K to $425K |
Franchise Fee | $65K | $34K |
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 | 29 |
Franchised Units | 153 | 29 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | N/A |
Franchising Since | 2013 | 2023 |
Years Franchising | 13 yrs | 3 yrs |
Headquarters | COPPELL, TX | JACKSONVILLE, FL |
Category | Painting | Painting |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, 360 Painting or That 1 Painter?
Lower upfront capital required
That 1 Painter
360 Painting: $112K starting · That 1 Painter: $44K starting
More SBA lender confidence
360 Painting
360 Painting: 108 SBA loans · That 1 Painter: 42 SBA loans
Lower SBA default rate
That 1 Painter
360 Painting: 13.0% · That 1 Painter: 0.0%
Larger system & brand presence
360 Painting
360 Painting: 153 units · That 1 Painter: 29 units
Lower ongoing royalty load
Tie
360 Painting: 6% · That 1 Painter: 6%
More lender financing options
360 Painting
360 Painting: 19 unique lenders · That 1 Painter: 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 That 1 Painter: Franchise Funding Comparison
Comparing 360 Painting and That 1 Painter is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $44K to $425K.
360 Painting has 108 SBA loans on record and That 1 Painter has 42. 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 That 1 Painter, Frequently Asked Questions
Which is a better franchise investment, 360 Painting or That 1 Painter?
How much does a 360 Painting franchise cost compared to That 1 Painter?
Can I finance 360 Painting or That 1 Painter with an SBA loan?
Which has a lower SBA default rate, 360 Painting or That 1 Painter?
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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