Franchise financing
360 Painting franchise financing
What it costs to finance a 360 Painting franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 109
- Total funded
- $17.7M
- Median loan
- $150K
- 7(a) charge-off
- 12.8%
What financing a 360 Painting franchise costs
The median SBA loan to a 360 Painting franchisee is $150K, and the middle half of 360 Painting's 109 loans run $150K to $150K (average $163K). Across all SBA-financed franchises the median loan is $350K. 360 Painting buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median 360 Painting loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 109 360 Painting loans where the SBA recorded a business age, 91.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance 360 Painting
360 Painting franchisees have financed with 109 SBA loans since FY2010, averaging $163K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (109 of the 109 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
360 Painting's 7(a) charge-off rate is 12.8% across 109 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance 360 Painting
By SBA loan count
Where 360 Painting gets funded
Top states by loan count
- 1. Texas 18
- 2. North Carolina 7
- 3. Florida 7
- 4. Tennessee 3
- 5. New York 7
- 6. Georgia 4
- 7. Ohio 6
- 8. Maryland 5
Financing a 360 Painting?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
360 Painting SBA financing FAQ
How much does a 360 Painting franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a 360 Painting franchisee is $150K, and the middle half of 360 Painting's 109 loans run $150K to $150K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of 360 Painting's franchise disclosure document.
Can you use an SBA loan for 360 Painting?
Yes. Lenders have funded 109 SBA loans to 360 Painting franchisees, worth $17.7M in all, so 360 Painting is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for 360 Painting?
The data says yes: of 360 Painting's 109 SBA loans that record a business age, 91.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance 360 Painting?
By loan count, the most active SBA lenders for 360 Painting are United Midwest Savings Bank National Association, Studio Bank, Readycap Lending, LLC, among others. A lender already active with your brand often moves faster.
What is 360 Painting's SBA charge-off rate?
Across 360 Painting's 109 SBA 7(a) loans, 12.8% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits 360 Painting?
Mostly 7(a): 109 of 360 Painting's 109 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median 360 Painting loan term is 10 years.