How much do lenders finance for a 360 Painting franchise?

The median SBA loan approved for a 360 Painting franchise is $150,000, with the middle 80% of loans between $111,000 and $150,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance 360 Painting franchises?

By dollars approved, the most active SBA lenders for 360 Painting have been United Midwest Savings Bank, Studio Bank, Readycap Lending, LLC, Citizens Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are 360 Painting SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a 360 Painting franchise

SBA lenders have approved 109 loans against the 360 Painting brand since FY2010, totalling $17.7M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#180

of 1,651 brands

Loans approved

109

FY2010 onward

Median loan

$150,000

Typical range

$111K-$150K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed 360 Painting

Lender	Loans	Approved
United Midwest Savings Bank	88	$13.0M
Studio Bank	1	$932K
Readycap Lending, LLC	2	$683K
Citizens Bank	1	$497K
First National Bank of Pennsylvania	1	$424K
North State Bank	1	$350K
Bank of Oak Ridge	1	$350K
Celtic Bank Corporation	2	$290K

Geography

Where 360 Painting units were financed

State	Loans	Share
Texas	18
North Carolina	7
New York	7
Florida	7
Ohio	6
Colorado	5
Maryland	5
New Jersey	4

Approvals by fiscal year

’15

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
4%
$50K - $150K
17%
$150K - $350K
73%
$350K - $1M
6%

Financing a 360 Painting: common questions

How much do lenders finance for a 360 Painting franchise?: The median SBA loan approved for a 360 Painting franchise is $150,000, with the middle 80% of loans between $111,000 and $150,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance 360 Painting franchises?: By dollars approved, the most active SBA lenders for 360 Painting have been United Midwest Savings Bank, Studio Bank, Readycap Lending, LLC, Citizens Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are 360 Painting SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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