Five Star Painting vs Spray Net
Five Star Painting vs Spray Net: Five Star Painting costs $77K–$185K to open; Spray Net costs $52K–$306K. Five Star Painting has 245 units, Spray Net has 24. SBA loan history: Five Star Painting = 75 loans (14.7% default); Spray Net = 38 loans (13.2% 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 Painting vs Spray Net — 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
Spray Net requires the lower minimum capital commitment ($52K vs $77K for Five Star Painting), a 49% spread. Initial franchise fees come in at $45K for Five Star Painting versus $40K for Spray Net — Spray Net has the lower entry fee. Ongoing royalty load is 6% for Five Star Painting and 7% for Spray Net, giving Five Star Painting the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Five Star Painting operates 245 units to Spray Net's 24 — roughly 10× the system size.
SBA Lending Profile
Five Star Painting has the deeper SBA lending track record with 75 historical 7(a) approvals versus 38 for Spray Net. Five Star Painting's peak SBA year was 2019 (15 loans); Spray Net's peak was 2023 (12 loans). Spray Net's more recent peak generally indicates fresher lender appetite. Geographically, Five Star Painting concentrates in FL (8 SBA-funded units) while Spray Net leads in TX (8) — pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Five Star Painting deals is $155K vs $164K for Spray Net — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 14.7% for Five Star Painting and 13.2% for Spray Net — Spray Net has the cleaner historical loss profile by 1.5 points. PeerSense FPI scores come in at 59 (Moderate) for Five Star Painting and 61 (Moderate) for Spray Net, giving Spray Net the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 61/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 75 | 38 |
SBA Volume | — | — |
Default Rate | 14.7% | 13.2% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $77K – $185K | $52K – $306K |
Franchise Fee | $45K | $40K |
Royalty Rate | 6% | 7% |
Ad Fund | 2% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 245 | 24 |
Franchised Units | 245 | 24 |
Company-Owned | — | — |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | 2007 | N/A |
Years Franchising | 19 yrs | N/A |
Headquarters | CHARLESTON, SC | MCKINNEY, TX |
Category | Painting | Painting |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better — Five Star Painting or Spray Net?
Lower upfront capital required
Spray Net
Five Star Painting: $77K starting · Spray Net: $52K starting
More SBA lender confidence
Five Star Painting
Five Star Painting: 75 SBA loans · Spray Net: 38 SBA loans
Lower historical default rate
Spray Net
Five Star Painting: 14.7% · Spray Net: 13.2%
Larger system & brand presence
Five Star Painting
Five Star Painting: 245 units · Spray Net: 24 units
Lower ongoing royalty load
Five Star Painting
Five Star Painting: 6% · Spray Net: 7%
More lender financing options
Five Star Painting
Five Star Painting: 18 unique lenders · Spray Net: 6 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 Painting vs Spray Net: Franchise Funding Comparison
Comparing Five Star Painting and Spray Net is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $52K to $306K.
Both brands have active SBA lending histories — Five Star Painting with 75 SBA loans and Spray Net with 38. 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.