Color Me Mine vs Hawaii Fluid Art
Color Me Mine vs Hawaii Fluid Art: Color Me Mine costs $219K to $475K to open; Hawaii Fluid Art costs $26K to $247K. Color Me Mine has 66 units, Hawaii Fluid Art has 11. SBA loan history: Color Me Mine = 46 loans (15.2% default); Hawaii Fluid Art = 17 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.
Color Me Mine vs Hawaii Fluid Art: 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
Hawaii Fluid Art requires the lower minimum capital commitment ($26K vs $219K for Color Me Mine), a 743% spread. Initial franchise fees come in at $82K for Color Me Mine versus $24K for Hawaii Fluid Art, Hawaii Fluid Art has the lower entry fee. Ongoing royalty load is 5% for Color Me Mine and 8% for Hawaii Fluid Art, giving Color Me Mine the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Color Me Mine operates 66 units to Hawaii Fluid Art's 11, roughly 6× the system size.
SBA Lending Profile
Color Me Mine has the deeper SBA lending track record, with 46 7(a) approvals compared with 17 for Hawaii Fluid Art.
Risk Signal
SBA default rates are 15.2% for Color Me Mine and 0.0% for Hawaii Fluid Art, Hawaii Fluid Art has the cleaner SBA loss record by 15.2 points. PeerSense FPI scores come in at 34 (Fair) for Color Me Mine and 70 (Strong) for Hawaii Fluid Art, giving Hawaii Fluid Art the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 34/100 | 70/100 |
Health Tier | Limited | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 46 | 17 |
SBA Volume | – | – |
Default Rate | 15.2% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $219K to $475K | $26K to $247K |
Franchise Fee | $82K | $24K |
Royalty Rate | 5% | 8% |
Ad Fund | 1% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 66 | 11 |
Franchised Units | 66 | 11 |
Company Owned | – | – |
Term Length | 5 yrs | 10 yrs |
Brand Information
Year Founded | N/A | 2020 |
Franchising Since | 2021 | 2021 |
Years Franchising | 5 yrs | 5 yrs |
Headquarters | N/A | PFLUGERVILLE, TX |
Category | Fine Arts Schools | Fine Arts Schools |
Website | ||
FDD Year | 2025 | 2024 |
Which Is Better, Color Me Mine or Hawaii Fluid Art?
Lower upfront capital required
Hawaii Fluid Art
Color Me Mine: $219K starting · Hawaii Fluid Art: $26K starting
More SBA lender confidence
Color Me Mine
Color Me Mine: 46 SBA loans · Hawaii Fluid Art: 17 SBA loans
Lower SBA default rate
Hawaii Fluid Art
Color Me Mine: 15.2% · Hawaii Fluid Art: 0.0%
Larger system & brand presence
Color Me Mine
Color Me Mine: 66 units · Hawaii Fluid Art: 11 units
Lower ongoing royalty load
Color Me Mine
Color Me Mine: 5% · Hawaii Fluid Art: 8%
More lender financing options
Color Me Mine
Color Me Mine: 19 unique lenders · Hawaii Fluid Art: 4 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
Color Me Mine vs Hawaii Fluid Art: Franchise Funding Comparison
Comparing Color Me Mine and Hawaii Fluid Art is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $26K to $475K.
Color Me Mine has 46 SBA loans on record and Hawaii Fluid Art has 17. 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.
Color Me Mine vs Hawaii Fluid Art, Frequently Asked Questions
Which is a better franchise investment, Color Me Mine or Hawaii Fluid Art?
How much does a Color Me Mine franchise cost compared to Hawaii Fluid Art?
Can I finance Color Me Mine or Hawaii Fluid Art with an SBA loan?
Which has a lower SBA default rate, Color Me Mine or Hawaii Fluid Art?
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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