Five Star Bath Solutions vs That 1 Painter
Five Star Bath Solutions vs That 1 Painter: Five Star Bath Solutions costs $49K to $389K to open; That 1 Painter costs $44K to $425K. Five Star Bath Solutions has 50 units, That 1 Painter has 29. SBA loan history: Five Star Bath Solutions = 70 loans (4.3% 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.
Five Star Bath Solutions 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 $49K for Five Star Bath Solutions), a 10% spread. Initial franchise fees come in at $30K for Five Star Bath Solutions versus $34K for That 1 Painter, Five Star Bath Solutions has the lower entry fee. Ongoing royalty load is 5% for Five Star Bath Solutions and 6% for That 1 Painter, giving Five Star Bath Solutions the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Five Star Bath Solutions operates 50 units to That 1 Painter's 29.
SBA Lending Profile
Five Star Bath Solutions has the deeper SBA lending track record, with 70 7(a) approvals compared with 42 for That 1 Painter. Five Star Bath Solutions's peak SBA year was 2025 (26 loans); That 1 Painter's peak was 2024 (24 loans). Five Star Bath Solutions's more recent peak generally indicates fresher lender appetite. Five Star Bath Solutions has the most SBA funded units in CA, with 10. 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 Five Star Bath Solutions deals is $211K vs $211K for That 1 Painter, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.3% for Five Star Bath Solutions and 0.0% for That 1 Painter, That 1 Painter has the cleaner SBA loss record by 4.3 points. PeerSense FPI scores come in at 84 (Excellent) for Five Star Bath Solutions and 70 (Strong) for That 1 Painter, giving Five Star Bath Solutions the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 84/100 | 70/100 |
Health Tier | Excellent | Strong |
Confidence | N/A | N/A |
Lending Trend | Growing | N/A |
SBA Lending
SBA Loans | 70 | 42 |
SBA Volume | – | – |
Default Rate | 4.3% | 0.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $49K to $389K | $44K to $425K |
Franchise Fee | $30K | $34K |
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 | Disclosed | Disclosed |
System Size & Operations
Total Units | 50 | 29 |
Franchised Units | 50 | 29 |
Company Owned | – | – |
Term Length | 11 yrs | 10 yrs |
Brand Information
Year Founded | 1996 | N/A |
Franchising Since | 2002 | 2023 |
Years Franchising | 24 yrs | 3 yrs |
Headquarters | HUNTINGTON BEACH, CA | JACKSONVILLE, FL |
Category | Painting | Painting |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, Five Star Bath Solutions or That 1 Painter?
Lower upfront capital required
That 1 Painter
Five Star Bath Solutions: $49K starting · That 1 Painter: $44K starting
More SBA lender confidence
Five Star Bath Solutions
Five Star Bath Solutions: 70 SBA loans · That 1 Painter: 42 SBA loans
Lower SBA default rate
That 1 Painter
Five Star Bath Solutions: 4.3% · That 1 Painter: 0.0%
Larger system & brand presence
Five Star Bath Solutions
Five Star Bath Solutions: 50 units · That 1 Painter: 29 units
Lower ongoing royalty load
Five Star Bath Solutions
Five Star Bath Solutions: 5% · That 1 Painter: 6%
More lender financing options
Five Star Bath Solutions
Five Star Bath Solutions: 15 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
Five Star Bath Solutions vs That 1 Painter: Franchise Funding Comparison
Comparing Five Star Bath Solutions 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.
Five Star Bath Solutions has 70 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.
Five Star Bath Solutions vs That 1 Painter, Frequently Asked Questions
Which is a better franchise investment, Five Star Bath Solutions or That 1 Painter?
How much does a Five Star Bath Solutions franchise cost compared to That 1 Painter?
Can I finance Five Star Bath Solutions or That 1 Painter with an SBA loan?
Which has a lower SBA default rate, Five Star Bath Solutions 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