Image Arts Etc.
The total investment to open a Image Arts Etc. franchise ranges from $58,000 to $150,000. The initial franchise fee is $68,400.
What is the Image Arts Etc. franchise?
Image Arts Etc is a portrait photography studio business. The estimated total initial investment is $58,000 to $150,000, and the initial franchise fee is $68,400.
It creates portraits for people and families. Its headquarters are in Coppell, TX.
Loan Activity Score
25/100
SBA Default Rate
31.6%
Active Lenders
12
According to its Franchise Disclosure Document or public business records, Image Arts Etc. has 14 locations, all owned by franchisees. Public SBA loan records show 12 lenders made 19 loans to franchisees of Image Arts Etc.. PeerSense calculates Image Arts Etc.'s score as 25 out of 100, using public SBA loan performance and recent lending activity.
14 locations
$58,000 to $150,000
$68,400
14
14 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Image Arts Etc.
19
Total SBA loans
$114K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Image Arts Etc.
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
31.6%
vs 10.8% peer avg
SBA Loans
19
Total Volume
$2.2M
Active Lenders
12
3 selective
States
13
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Image Arts Etc. based on SBA lending data
SBA Default Rate
31.6%
20.8% above peer avg
SBA Loan Volume
19 loans
Across 12 lenders
Lender Diversity
12 lenders
Avg 1.6 loans per lender
Investment Tier
Mid range investment
$58,000 to $150,000 total
Image Arts Etc.: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2001
8 approvals. The best year on record for Image Arts Etc..
Top SBA State
Texas
4 SBA financed Image Arts Etc. locations, the densest operator footprint.
Average Loan Size
$114K
Median $120K. Use as a sizing anchor when modeling your own Image Arts Etc. unit.
Lender Concentration
52.6%
Concentrated
Share of Image Arts Etc. approvals captured by the top 3 SBA lenders.
Image Arts Etc.'s SBA lending pipeline peaked in 2001 (8 approvals). Operator density is highest in Texas with 4 SBA financed locations. Average funded ticket sits at $114K, with the median at $120K. Lender mix is concentrated: the top three SBA lenders account for 52.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$600
Principal & Interest only
Indicative only, as of October 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 sources the file. The lender sets pricing. What these terms mean.
Locations
Image Arts Etc., unit breakdown
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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