What SBA loan amount do I need for a Paint EZ franchise?

Most Paint EZ franchisees finance $65K-$127K via SBA 7(a), covering 80-90% of the total investment. Your equity injection of 10-20% ($8K-$28K) can come from personal savings, 401(k) rollover (ROBS), or gift funds.

Does Paint EZ provide financial performance data?

Paint EZ includes Item 19 Financial Performance Representations in its Franchise Disclosure Document (FDD). Review this data with your accountant and SBA lender, it forms the basis of your loan application's revenue projections.

How long does SBA franchise financing take?

From application to funding, expect 30-45 days. SBA prefers franchises on their Franchise Directory (Paint EZ qualifies), which eliminates the separate franchise agreement review that can add 2-3 weeks for non-listed brands.

Can I use a 401(k) rollover to fund my equity injection?

Yes. A ROBS (Rollover for Business Startups) lets you use retirement funds as your equity injection without early withdrawal penalties. This is a common strategy for franchise buyers who want to preserve cash reserves.

What are the ongoing royalty fees for Paint EZ?

Franchise royalty and fee structures are detailed in Items 5 and 6 of the FDD. Review these carefully with your financial advisor to ensure your SBA loan projections account for all ongoing franchise obligations.

Published: March 31, 2026·Last updated: May 16, 2026·By Ed Freeman, Capital Advisor. PeerSense

What is the best financing for franchise, home services at 80-90% financing LTV?

Paint EZ franchise financing through SBA 7(a) covers the total investment range of $80,400 to $141,200, including the $49,900 franchise fee. SBA 7(a) loans offer 10-year terms at Prime + 2.25-2.75% with only 10-20% equity injection required. Paint EZ is on the SBA Franchise Directory, streamlining approval. The brand reports strong unit economics in its FDD, and its low investment relative to revenue potential makes it attractive for SBA underwriting.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.25% Est. SBA 7(a) Range: Prime + 2.25% - 2.75% (currently ~9.75-10.25%)as of Mar 19, 2026

Franchise, Home Services

Paint EZ Franchise SBA Financing

Finance a Paint EZ franchise with SBA 7(a) loans. Total investment $80K-$141K, reported 28% margins, zero franchise failures. Low-cost entry into a proven home services brand.

Minimum 30-35% equity required. First-time business owners with 680+ credit score, 10-20% cash injection ($8K-$28K), and relevant management or trade experience.

Discuss Your Franchise, Home Services Deal Call (317) 452-6990

KEY TERMS

Deal Parameters at a Glance

LTV Target

80-90% financing

Est. Rate Range

Prime + 2.25% - 2.75% (currently ~9.75-10.25%)

Term

10 years

Recourse

Full recourse (SBA personal guarantee required)

DSCR

1.15x historical/projected and 1:1 global for SBA (Standard 7(a), SOP 50 10 8)

Closing Speed

30-45 days SBA approval

Min Loan Size

$80K

Loan Products

SBA 7(a), Franchise Financing

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

FIT ASSESSMENT

When Is This the Right Fit?

Paint EZ SBA financing is ideal for aspiring franchise owners seeking a low-capital-entry business with proven unit economics. The sub-$150K total investment means SBA 7(a) can cover the full startup with only $8K-$28K equity injection. Review the Paint EZ FDD Item 19 (Financial Performance Representations) carefully with your accountant before committing, it contains the specific revenue and margin data you need for your SBA business plan projections.

Want the full program overview, current rate sheet, and underwriting matrix? See the SBA Loans guide →

ADVANTAGES

Key Benefits

Low total investment ($80K-$141K), one of the most affordable franchise opportunities

SBA 7(a) covers up to 90% of total investment with 10-year terms

Paint EZ is on the SBA Franchise Directory, streamlined approval process

Home services industry with recurring revenue and high margins

No commercial real estate required, operate from home office initially

ALTERNATIVES

Strategic Alternatives

Franchise SBA Acquisition Financing

If you're evaluating other franchise brands and want to compare SBA options broadly

Learn more

SBA Franchise Multi-Unit Expansion

If you already own one Paint EZ unit and want to finance additional territories

Learn more

Working Capital Line of Credit

If you need supplemental working capital after the SBA loan closes

Learn more

Frequently Asked Questions

Total investment ranges from $80,400 to $141,200 per the current FDD, including the $49,900 franchise fee, equipment, initial marketing, and working capital. This is among the lowest franchise investments in the home services sector.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.

CMBS Conduit

5.60–7.10%

10-yr non-recourse fixed, $5M–$500M+, fully assumable

See current rates

Bridge Loans

9.00–14.00%

12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive. Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

Invoice Factoring + ABL

0.5–3.5% / 30d

B2B receivables, trucking / staffing / construction / govt

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Foreign National

7.50–11.00%

Non-US borrower CRE + bridge, no SSN required

See current rates

Connect with PeerSense, Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, we match your franchise, home services deal with the right capital source, right now.

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Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.