Wise Coatings
The total investment to open a Wise Coatings franchise ranges from $72,000 to $185,500. The initial franchise fee is $50,000. Ongoing royalties are 5% plus a 2% advertising fee.
What is the Wise Coatings franchise?
Wise Coatings is a floor coating business serving residential and commercial customers. The 2024 Franchise Disclosure Document lists an estimated initial investment of $72,000 to $185,500 and an initial franchise fee of $50,000.
The royalty is 5 percent of sales. Wise Coatings was founded in 2020 and is headquartered in Lake Mary, Florida.
Loan Activity Score
66/100
SBA Default Rate
0.0%
Active Lenders
4
According to its Franchise Disclosure Document or public business records, Wise Coatings has 6 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 7 loans to franchisees of Wise Coatings. PeerSense calculates Wise Coatings's score as 66 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 2020 · 6 locations
$72,000 to $185,500
$50,000
6
6 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Wise Coatings
7
Total SBA loans
$135K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Wise Coatings
Loan Activity Score Breakdown
Emerging (3 to 9 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
0.0%
vs 7.0% peer avg
SBA Loans
7
Total Volume
$0.9M
Active Lenders
4
2 selective
States
6
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 Wise Coatings based on SBA lending data
SBA Default Rate
0.0%
7.0% below peer avg
SBA Loan Volume
7 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 1.8 loans per lender
Investment Tier
Mid range investment
$72,000 to $185,500 total
Wise Coatings: 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
2023
3 approvals. The best year on record for Wise Coatings.
Top SBA State
North Carolina
2 SBA financed Wise Coatings locations, the densest operator footprint.
Average Loan Size
$135K
Median $150K. Use as a sizing anchor when modeling your own Wise Coatings unit.
Lender Concentration
85.7%
Concentrated
Share of Wise Coatings approvals captured by the top 3 SBA lenders.
Wise Coatings's SBA lending pipeline peaked in 2023 (3 approvals). The last five fiscal years account for 100% of cumulative volume ($948K approved). Operator density is highest in North Carolina with 2 SBA financed locations. Average funded ticket sits at $135K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 85.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$745
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
Wise Coatings, unit breakdown
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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