Five Star Bath Solutions vs Five Star Painting
Five Star Bath Solutions vs Five Star Painting: Five Star Bath Solutions costs $49K–$389K to open; Five Star Painting costs $77K–$185K. Five Star Bath Solutions has 50 units, Five Star Painting has 245. SBA loan history: Five Star Bath Solutions = 70 loans (4.3% 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.
Five Star Bath Solutions 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 Bath Solutions requires the lower minimum capital commitment ($49K vs $77K for Five Star Painting), a 37% spread. Initial franchise fees come in at $30K for Five Star Bath Solutions versus $45K for Five Star Painting, Five Star Bath Solutions has the lower entry fee. Ongoing royalty load is 5% for Five Star Bath Solutions and 6% for Five Star Painting, giving Five Star Bath Solutions the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Five Star Painting operates 245 units to Five Star Bath Solutions's 50, roughly 5× the system size.
SBA Lending Profile
Five Star Painting has the deeper SBA lending track record with 75 historical 7(a) approvals versus 70 for Five Star Bath Solutions. Five Star Bath Solutions's peak SBA year was 2025 (26 loans); Five Star Painting's peak was 2019 (15 loans). Five Star Bath Solutions's more recent peak generally indicates fresher lender appetite. Geographically, Five Star Bath Solutions concentrates in CA (10 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 Five Star Bath Solutions deals is $211K vs $155K for Five Star Painting, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.3% for Five Star Bath Solutions and 14.7% for Five Star Painting, Five Star Bath Solutions has the cleaner historical loss profile by 10.4 points. PeerSense FPI scores come in at 84 (Excellent) for Five Star Bath Solutions and 59 (Moderate) for Five Star Painting, giving Five Star Bath Solutions the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 84/100 | 59/100 |
Health Tier | Excellent | Moderate |
Confidence | N/A | N/A |
Lending Trend | Growing | Declining |
SBA Lending
SBA Loans | 70 | 75 |
SBA Volume | – | – |
Default Rate | 4.3% | 14.7% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $49K – $389K | $77K – $185K |
Franchise Fee | $30K | $45K |
Royalty Rate | 5% | 6% |
Ad Fund | 1% | 2% |
Liquid Capital | $50K | N/A |
Net Worth Required | $100K | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 50 | 245 |
Franchised Units | 50 | 245 |
Company-Owned | – | – |
Term Length | 11 yrs | 10 yrs |
Brand Information
Year Founded | 1996 | N/A |
Franchising Since | 2002 | 2007 |
Years Franchising | 24 yrs | 19 yrs |
Headquarters | HUNTINGTON BEACH, CA | CHARLESTON, SC |
Category | Painting | Painting |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Five Star Bath Solutions or Five Star Painting?
Lower upfront capital required
Five Star Bath Solutions
Five Star Bath Solutions: $49K starting · Five Star Painting: $77K starting
More SBA lender confidence
Five Star Painting
Five Star Bath Solutions: 70 SBA loans · Five Star Painting: 75 SBA loans
Lower historical default rate
Five Star Bath Solutions
Five Star Bath Solutions: 4.3% · Five Star Painting: 14.7%
Larger system & brand presence
Five Star Painting
Five Star Bath Solutions: 50 units · Five Star Painting: 245 units
Lower ongoing royalty load
Five Star Bath Solutions
Five Star Bath Solutions: 5% · Five Star Painting: 6%
More lender financing options
Five Star Painting
Five Star Bath Solutions: 15 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
Five Star Bath Solutions vs Five Star Painting: Franchise Funding Comparison
Comparing Five Star Bath Solutions 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 $49K to $389K.
Both brands have active SBA lending histories, Five Star Bath Solutions with 70 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.
Five Star Bath Solutions vs Five Star Painting, Frequently Asked Questions
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