CertaPro Painters vs That 1 Painter
CertaPro Painters vs That 1 Painter: CertaPro Painters costs $50K–$919K to open; That 1 Painter costs $44K–$425K. CertaPro Painters has 214 units, That 1 Painter has 29. SBA loan history: CertaPro Painters = 142 loans (4.2% default); That 1 Painter = 42 loans (0.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
CertaPro Painters vs That 1 Painter — 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
That 1 Painter requires the lower minimum capital commitment ($44K vs $50K for CertaPro Painters), a 14% spread. Initial franchise fees come in at $65K for CertaPro Painters versus $34K for That 1 Painter — That 1 Painter has the lower entry fee. Ongoing royalty load is 5% for CertaPro Painters and 6% for That 1 Painter, giving CertaPro Painters the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, CertaPro Painters operates 214 units to That 1 Painter's 29 — roughly 7× the system size.
SBA Lending Profile
CertaPro Painters has the deeper SBA lending track record with 142 historical 7(a) approvals versus 42 for That 1 Painter. CertaPro Painters's peak SBA year was 2023 (18 loans); That 1 Painter's peak was 2024 (24 loans). That 1 Painter's more recent peak generally indicates fresher lender appetite. Geographically, CertaPro Painters concentrates in FL (11 SBA-funded units) while That 1 Painter leads in VA (5) — pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded CertaPro Painters deals is $360K vs $211K for That 1 Painter — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.2% for CertaPro Painters and 0.0% for That 1 Painter — That 1 Painter has the cleaner historical loss profile by 4.2 points. PeerSense FPI scores come in at 80 (Excellent) for CertaPro Painters and 70 (Strong) for That 1 Painter, giving CertaPro Painters the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 80/100 | 70/100 |
Health Tier | Excellent | Strong |
Confidence | N/A | N/A |
Lending Trend | Stable | N/A |
SBA Lending
SBA Loans | 142 | 42 |
SBA Volume | — | — |
Default Rate | 4.2% | 0.0% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $50K – $919K | $44K – $425K |
Franchise Fee | $65K | $34K |
Royalty Rate | 5% | 6% |
Ad Fund | 3% | 2% |
Liquid Capital | $100K | N/A |
Net Worth Required | $200K | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 214 | 29 |
Franchised Units | 214 | 29 |
Company-Owned | — | — |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1992 | N/A |
Franchising Since | 1960 | 2023 |
Years Franchising | 66 yrs | 3 yrs |
Headquarters | Audubon, PA | JACKSONVILLE, FL |
Category | Painting | Painting |
Website | ||
FDD Year | 2024 | 2026 |
Which Is Better — CertaPro Painters or That 1 Painter?
Lower upfront capital required
That 1 Painter
CertaPro Painters: $50K starting · That 1 Painter: $44K starting
More SBA lender confidence
CertaPro Painters
CertaPro Painters: 142 SBA loans · That 1 Painter: 42 SBA loans
Lower historical default rate
That 1 Painter
CertaPro Painters: 4.2% · That 1 Painter: 0.0%
Larger system & brand presence
CertaPro Painters
CertaPro Painters: 214 units · That 1 Painter: 29 units
Lower ongoing royalty load
CertaPro Painters
CertaPro Painters: 5% · That 1 Painter: 6%
More lender financing options
CertaPro Painters
CertaPro Painters: 71 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
CertaPro Painters vs That 1 Painter: Franchise Funding Comparison
Comparing CertaPro Painters 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 $919K.
Both brands have active SBA lending histories — CertaPro Painters with 142 SBA loans and That 1 Painter with 42. 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.