Hawaii Fluid Art vs Kidcreate Studio
Hawaii Fluid Art vs Kidcreate Studio: Hawaii Fluid Art costs $26K to $247K to open; Kidcreate Studio costs $54K to $120K. Hawaii Fluid Art has 11 units, Kidcreate Studio has 9. SBA loan history: Hawaii Fluid Art = 17 loans (0.0% default); Kidcreate Studio = 10 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.
Hawaii Fluid Art vs Kidcreate Studio: 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 $54K for Kidcreate Studio), a 52% spread. Initial franchise fees come in at $24K for Hawaii Fluid Art versus $45K for Kidcreate Studio, Hawaii Fluid Art has the lower entry fee. Ongoing royalty load is 8% for Hawaii Fluid Art and 8% for Kidcreate Studio, equal royalty drag.
System Scale & Tenure
On scale, Hawaii Fluid Art operates 11 units to Kidcreate Studio's 9. Kidcreate Studio has been operating 19 years (founded 2007) versus 6 for Hawaii Fluid Art (founded 2020), a 13-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Hawaii Fluid Art has the deeper SBA lending track record, with 17 7(a) approvals compared with 10 for Kidcreate Studio.
Risk Signal
SBA default rates are 0.0% for Hawaii Fluid Art and 0.0% for Kidcreate Studio. PeerSense FPI scores come in at 70 (Strong) for Hawaii Fluid Art and 52 (Moderate) for Kidcreate Studio, giving Hawaii Fluid Art the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 70/100 | 52/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 17 | 10 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $26K to $247K | $54K to $120K |
Franchise Fee | $24K | $45K |
Royalty Rate | 8% | 8% |
Ad Fund | 2% | 1% |
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 | 11 | 9 |
Franchised Units | 11 | 9 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2020 | 2007 |
Franchising Since | 2021 | N/A |
Years Franchising | 5 yrs | N/A |
Headquarters | PFLUGERVILLE, TX | Eden Prairie, MN |
Category | Fine Arts Schools | Fine Arts Schools |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better, Hawaii Fluid Art or Kidcreate Studio?
Lower upfront capital required
Tie
Hawaii Fluid Art: $26K starting · Kidcreate Studio: $54K starting
More SBA lender confidence
Hawaii Fluid Art
Hawaii Fluid Art: 17 SBA loans · Kidcreate Studio: 10 SBA loans
Lower SBA default rate
Tie
Hawaii Fluid Art: 0.0% · Kidcreate Studio: 0.0%
Larger system & brand presence
Tie
Hawaii Fluid Art: 11 units · Kidcreate Studio: 9 units
Lower ongoing royalty load
Tie
Hawaii Fluid Art: 8% · Kidcreate Studio: 8%
More lender financing options
Kidcreate Studio
Hawaii Fluid Art: 4 unique lenders · Kidcreate Studio: 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
Hawaii Fluid Art vs Kidcreate Studio: Franchise Funding Comparison
Comparing Hawaii Fluid Art and Kidcreate Studio is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $26K to $247K.
Hawaii Fluid Art has 17 SBA loans on record and Kidcreate Studio has 10. 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.
Hawaii Fluid Art vs Kidcreate Studio, Frequently Asked Questions
Which is a better franchise investment, Hawaii Fluid Art or Kidcreate Studio?
How much does a Hawaii Fluid Art franchise cost compared to Kidcreate Studio?
Can I finance Hawaii Fluid Art or Kidcreate Studio with an SBA loan?
Which has a lower SBA default rate, Hawaii Fluid Art or Kidcreate Studio?
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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