Five Star Painting franchise research

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.38 ↗

Franchise fees and ongoing costs

Franchise fee

Not captured

Royalty

6% · License Fee: 6% of Gross Sales (excluding roll-in sales), paid monthly on the 15th; minimum license fees also apply (Fees Chart not in packet)

Marketing contribution

2% (basis not captured; see original filing)

Technology fee

Software System monthly fee currently $333.25 per month (CORE, Qvinci, email, etc.); QuickBooks Online via ZorWare extra $30-$220/month; $1,250 setup at signing

Other fees

Call Center Services $349.99-$449.99/month plus $15 per booked appointment; Annual Reunion fee currently $1,000 plus travel; Key Accounts/Management Fee up to 5% of Key Account Gross Sales

Working capital (FDD Item 7)

Additional Funds (stated as 6 months, not 3): $6,200 low to $10,600 high; FDD says 6 months is a minimum and recommends more

Fees sourceFDD p.27 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.38 ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Average and median annual Gross Sales per capita (Table A) and average and median Gross Sales per job (Table B); no total gross sales or profit figures disclosed

Reporting period

Calendar year 2025 (Jan-Dec 2025)

Sample

208 of 245 franchised businesses (those open and reporting all 12 months of 2025); excludes 5 opened in 2025, 12 transferred, 12 multi-unit aggregate reporters, 8 with 4+ missing months, and 11 that closed in 2025

Reported average

Not captured

Reported median

Not captured

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.73 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

245

Year-end outlets

245

Net change

+0

Derivation

ending minus starting outlets

Openings

11

Terminations

10

Non-renewals

1

Other closures

0

Reacquisitions

0

Transfers

13

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.76 ↗

SBA loan history

Loan activity

24 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$150,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

17 loans

Historical charge-off share

25.58%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

11 / 43

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does Five Star Painting franchise cost?

standard start-up (single territory, 150,000-200,000 population): $82,200 to $194,600 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: Not captured.

Investment sourceFDD p.38 ↗

How much do Five Star Painting owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average and median annual Gross Sales per capita (Table A) and average and median Gross Sales per job (Table B); no total gross sales or profit figures disclosed. Sample: 208 of 245 franchised businesses (those open and reporting all 12 months of 2025); excludes 5 opened in 2025, 12 transferred, 12 multi-unit aggregate reporters, 8 with 4+ missing months, and 11 that closed in 2025. Period: Calendar year 2025 (Jan-Dec 2025).

Item 19 performance sourceFDD p.73 ↗

What's the SBA charge-off rate for Five Star Painting?

25.58%; numerator / denominator: 11 / 43. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $150,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 17 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗