Groovy Hues vs Spray Net
Groovy Hues vs Spray Net: Groovy Hues costs $165K to $211K to open; Spray Net costs $52K to $306K. Groovy Hues has 26 units, Spray Net has 24. SBA loan history: Groovy Hues = 39 loans (0.0% default); Spray Net = 38 loans (13.2% 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.
Groovy Hues vs Spray Net: 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
Spray Net requires the lower minimum capital commitment ($52K vs $165K for Groovy Hues), a 217% spread. Initial franchise fees come in at $60K for Groovy Hues versus $40K for Spray Net, Spray Net has the lower entry fee. Ongoing royalty load is 6% for Groovy Hues and 7% for Spray Net, giving Groovy Hues the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Groovy Hues operates 26 units to Spray Net's 24.
SBA Lending Profile
Groovy Hues has the deeper SBA lending track record, with 39 7(a) approvals compared with 38 for Spray Net.
Risk Signal
SBA default rates are 0.0% for Groovy Hues and 13.2% for Spray Net, Groovy Hues has the cleaner SBA loss record by 13.2 points. PeerSense FPI scores come in at 69 (Strong) for Groovy Hues and 61 (Moderate) for Spray Net, giving Groovy Hues the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 69/100 | 61/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | Growing |
SBA Lending
SBA Loans | 39 | 38 |
SBA Volume | – | – |
Default Rate | 0.0% | 13.2% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $165K to $211K | $52K to $306K |
Franchise Fee | $60K | $40K |
Royalty Rate | 6% | 7% |
Ad Fund | N/A | 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 | 26 | 24 |
Franchised Units | 26 | 24 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2022 | N/A |
Franchising Since | 2022 | 1986 |
Years Franchising | 4 yrs | 40 yrs |
Headquarters | Omaha, NE | MCKINNEY, TX |
Category | Painting | Painting |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, Groovy Hues or Spray Net?
Lower upfront capital required
Spray Net
Groovy Hues: $165K starting · Spray Net: $52K starting
More SBA lender confidence
Groovy Hues
Groovy Hues: 39 SBA loans · Spray Net: 38 SBA loans
Lower SBA default rate
Groovy Hues
Groovy Hues: 0.0% · Spray Net: 13.2%
Larger system & brand presence
Groovy Hues
Groovy Hues: 26 units · Spray Net: 24 units
Lower ongoing royalty load
Groovy Hues
Groovy Hues: 6% · Spray Net: 7%
More lender financing options
Groovy Hues
Groovy Hues: 8 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
Groovy Hues vs Spray Net: Franchise Funding Comparison
Comparing Groovy Hues 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.
Groovy Hues has 39 SBA loans on record and Spray Net has 38. 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.
Groovy Hues vs Spray Net, Frequently Asked Questions
Which is a better franchise investment, Groovy Hues or Spray Net?
How much does a Groovy Hues franchise cost compared to Spray Net?
Can I finance Groovy Hues or Spray Net with an SBA loan?
Which has a lower SBA default rate, Groovy Hues or Spray Net?
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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