Hawaii Fluid Art vs Pinots Palette
Hawaii Fluid Art vs Pinots Palette: Hawaii Fluid Art costs $26K to $247K to open; Pinots Palette costs $125K to $339K. Hawaii Fluid Art has 11 units, Pinots Palette has 27. SBA loan history: Hawaii Fluid Art = 17 loans (0.0% default); Pinots Palette = 36 loans (13.9% 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 Pinots Palette: 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 $125K for Pinots Palette), a 79% spread. Initial franchise fees come in at $24K for Hawaii Fluid Art versus $40K for Pinots Palette, Hawaii Fluid Art has the lower entry fee. Ongoing royalty load is 8% for Hawaii Fluid Art and 6% for Pinots Palette, giving Pinots Palette the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Pinots Palette operates 27 units to Hawaii Fluid Art's 11, roughly 2× the system size.
SBA Lending Profile
Pinots Palette has the deeper SBA lending track record, with 36 7(a) approvals compared with 17 for Hawaii Fluid Art. Hawaii Fluid Art's peak SBA year was 2024 (7 loans); Pinots Palette's peak was 2015 (10 loans). Hawaii Fluid Art's more recent peak generally indicates fresher lender appetite. Hawaii Fluid Art has the most SBA funded units in TX, with 4. Pinots Palette leads in CA, with 8. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Hawaii Fluid Art deals is $148K vs $147K for Pinots Palette, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Hawaii Fluid Art and 13.9% for Pinots Palette, Hawaii Fluid Art has the cleaner SBA loss record by 13.9 points. PeerSense FPI scores come in at 70 (Strong) for Hawaii Fluid Art and 29 (Fair) for Pinots Palette, giving Hawaii Fluid Art the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 70/100 | 29/100 |
Health Tier | Strong | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 17 | 36 |
SBA Volume | – | – |
Default Rate | 0.0% | 13.9% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $26K to $247K | $125K to $339K |
Franchise Fee | $24K | $40K |
Royalty Rate | 8% | 6% |
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 | Disclosed |
System Size & Operations
Total Units | 11 | 27 |
Franchised Units | 11 | 27 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2020 | N/A |
Franchising Since | 2021 | 2021 |
Years Franchising | 5 yrs | 5 yrs |
Headquarters | PFLUGERVILLE, TX | NV |
Category | Fine Arts Schools | Fine Arts Schools |
Website | ||
FDD Year | 2024 | 2025 |
Which Is Better, Hawaii Fluid Art or Pinots Palette?
Lower upfront capital required
Hawaii Fluid Art
Hawaii Fluid Art: $26K starting · Pinots Palette: $125K starting
More SBA lender confidence
Pinots Palette
Hawaii Fluid Art: 17 SBA loans · Pinots Palette: 36 SBA loans
Lower SBA default rate
Hawaii Fluid Art
Hawaii Fluid Art: 0.0% · Pinots Palette: 13.9%
Larger system & brand presence
Pinots Palette
Hawaii Fluid Art: 11 units · Pinots Palette: 27 units
Lower ongoing royalty load
Pinots Palette
Hawaii Fluid Art: 8% · Pinots Palette: 6%
More lender financing options
Pinots Palette
Hawaii Fluid Art: 4 unique lenders · Pinots Palette: 22 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 Pinots Palette: Franchise Funding Comparison
Comparing Hawaii Fluid Art and Pinots Palette is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $26K to $339K.
Hawaii Fluid Art has 17 SBA loans on record and Pinots Palette has 36. 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 Pinots Palette, Frequently Asked Questions
Which is a better franchise investment, Hawaii Fluid Art or Pinots Palette?
How much does a Hawaii Fluid Art franchise cost compared to Pinots Palette?
Can I finance Hawaii Fluid Art or Pinots Palette with an SBA loan?
Which has a lower SBA default rate, Hawaii Fluid Art or Pinots Palette?
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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