Franchise financing
CertaPro Painters franchise financing
What it costs to finance a CertaPro Painters 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
- 144
- Total funded
- $51.5M
- Median loan
- $235K
- 7(a) charge-off
- 3.5%
What financing a CertaPro Painters franchise costs
The median SBA loan to a CertaPro Painters franchisee is $235K, and the middle half of CertaPro Painters's 144 loans run $100K to $435K (average $358K). Across all SBA-financed franchises the median loan is $350K. CertaPro Painters 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 CertaPro Painters loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 141 CertaPro Painters loans where the SBA recorded a business age, 34.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance CertaPro Painters
CertaPro Painters franchisees have financed with 144 SBA loans since FY2010, averaging $358K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (141 of the 144 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
CertaPro Painters's 7(a) charge-off rate is 3.5% across 141 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance CertaPro Painters
By SBA loan count
Where CertaPro Painters gets funded
Top states by loan count
Financing a CertaPro Painters?
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CertaPro Painters SBA financing FAQ
How much does a CertaPro Painters franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a CertaPro Painters franchisee is $235K, and the middle half of CertaPro Painters's 144 loans run $100K to $435K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of CertaPro Painters's franchise disclosure document.
Can you use an SBA loan for CertaPro Painters?
Yes. Lenders have funded 144 SBA loans to CertaPro Painters franchisees, worth $51.5M in all, so CertaPro Painters is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for CertaPro Painters?
The data says yes: of CertaPro Painters's 141 SBA loans that record a business age, 34.8% 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 CertaPro Painters?
By loan count, the most active SBA lenders for CertaPro Painters are Live Oak Banking Company, Pinnacle Bank, Wells Fargo Bank National Association, among others. A lender already active with your brand often moves faster.
What is CertaPro Painters's SBA charge-off rate?
Across CertaPro Painters's 141 SBA 7(a) loans, 3.5% 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 CertaPro Painters?
Mostly 7(a): 141 of CertaPro Painters's 144 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median CertaPro Painters loan term is 10 years.