360 PaintingFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A 360 Painting franchise requires a total initial investment of $132K – $196K, including a $65K franchise fee and an ongoing 6.0% royalty[2]. Per the 2025 FDD, average unit revenue was $476K[2]. SBA 7(a) loans show a 40.0% charge-off rate across 108 loans[1]. Verdict grade: D. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $132K – $196K
- 49th pct Home Services
- Avg gross sales
- $476K
- 14th pct Home Services
- Royalty
- 6.0%
- 13th pct Home Services
- Units
- 153
- 63rd pct Home Services
- SBA default
- 40.0%
- system-wide median varies by category
Quick verdict · Home Services · color = vs category peers
Green = >15% above Home Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
40.0% of SBA loans charged off across 108 loans, above the 16% franchise average.
15 legal cases disclosed in the FDD. Read Item 3 before signing.
Bottom line
- Total investment $132K – $196K including a $65K franchise fee, 6.0% ongoing royalty.
- Average unit revenue of $476K/year (median $382K).
- Verdict D (Below Average) with a risk score of 75/100. SBA loan charge-off rate of 40.0% across 108 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- 15 litigation matters disclosed in Item 3, higher than typical. Review the summary for patterns (franchisor-initiated vs. franchisee-initiated).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- 360 Painting, LLC
- Parent company
- PSB Group, LLC
- Incorporated in
- DE
- HQ
- 126 Garrett Street, Suite J, Charlottesville, VA 22902
- Auditor
- ROBINSON, FARMER, COX ASSOCIATES, PLLC
- Audited financials
- Franchisor revenue
- $23.6M
- vs $25.4M prior year
Overview
About
360 Painting franchisees operate residential and commercial interior/exterior painting services, managing crews, scheduling jobs, and handling client relations in protected territories. Day-to-day operations include job estimation, crew management, customer acquisition, and invoicing while paying 6% royalties plus a $150 weekly minimum to the franchisor.
- CEO
- Paul Flick
- Headquarters
- VA
- Founded
- 2006
- FDD year
- 2025
- States available
- 35
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $65K | $65K |
| Working capital (3–6 mo) | $18K | $40K |
| Equipment, build-out, other | $50K | $91K |
| Total initial investment | $132K | $196K |
Source: 360 Painting 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$52K
11.0% margin
Unlevered ROIC
27%
EBITDA / total invested capital
Payback
3.7 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $132K – $196K
- Near category avg vs category
- Liquid capital req'd
- $18K – $40K
- Near category avg vs category
- Franchise fee
- $59K – $65K
- Below avg, review vs category
- Royalty
- 6.0%
- percentage · typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $210 |
| Transfer fee | $20K |
| Renewal fee | $16K |
| Total fee load | 8.0% of rev |
Financial Performance
- Avg gross sales
- $476K
- Per unit, per year
- Median gross sales
- $382K
- Item 19 type
- gross_sales
- Sample size
- 102 units
- vs category median 25 · large
- Range (low → high)
- $86K→$2.6M
- Cohort dispersion (min → max)
- Transparency
- 4 / 5
- vs category median 4 / 5 · typical
Compared against 349 Home Services brands
vs Home Services averages
How 360 Painting Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 153
- Opened
- 31
- Last reporting year
- Closed
- 38
- Turnover rate
- 24.8%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (yr3)
- -4.4%
- Net unit change last year
- 3-yr CAGR
- +8.5%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 10
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 29 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 108
- Loan volume
- $17.5M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 40.0%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 60.0%
- 5-yr charge-off
- 48.0%
- Loans approved 2021+
- Active lenders
- 19
- Defaults
- 14
Vintage analysis
360 Painting charge-off rate by loan vintage
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into 360 Painting's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 11-year lending trend
Instant access. No subscription.
A 40.0% charge-off rate means roughly 1 in 3 franchisees failed to repay their SBA loan. Investigate what changed.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
360 Painting presents high risk due to shrinking franchisee base, extensive litigation history, multi-state regulatory violations, undisclosed profitability metrics, and uncertain franchisor viability.
Audited financials (Item 21)
Yes · ROBINSON, FARMER, COX ASSOCIATES, PLLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 75 / 100 rating
- 01MINORDeclining unit count (-4.4% YoY) indicates system contraction and potential franchisee dissatisfaction
- 02HIGHMultiple litigation cases with former franchisees (Misiph, Belegu, DeGregorio, Carreno) suggest contract/relationship breakdown patterns
- 03MINORRegulatory consent orders in 5 states (Maryland, Illinois, Virginia, California, Washington) for disclosure and registration violations indicate compliance failures and franchisor credibility issues
- 04MINORNo Item 19 (average net income) disclosure prevents validation of $132,350-$196,000 investment ROI claims
- 05MINORVendor disputes (Dispatch Technologies, yellowpages.com, MMG-360) suggest operational/payment reliability concerns
- 06MINORHigh royalty floor ($150/week minimum = $7,800/year) creates fixed cost pressure regardless of revenue performance
- 07HIGHGoing Concern status = False raises questions about franchisor financial stability and long-term support
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | ZIP codes |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | Virginia |
| Litigation count | 15 |
Items 10, 11
Training & Operations
- Classroom training
- 50 hrs
- On-the-job training
- 0 hrs
- POS system
- ServiceTitan
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: ServiceTitan
Item 20 · call current owners
Franchisee Contacts
85 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
360 Painting · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a 360 Painting franchise?
The total investment to open a 360 Painting franchise ranges from $132K – $196K, with an initial franchise fee of $65K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do 360 Painting franchise owners earn?
According to Item 19 of the 360 Painting FDD, the average gross sales per unit is $476K. The median is $382K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is 360 Painting's franchise failure rate?
Based on SBA 7(a) loan data, 360 Painting has a charge-off rate of 40.0% across 108 loans, meaning 40.0% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many 360 Painting franchise locations are there?
As of their most recent FDD filing, 360 Painting has 153 total units in the United States, including 141 franchised units and 0 company-owned units. 31 new units were opened in the latest reporting year.
Is 360 Painting a good franchise to buy?
FranchiseVerdict rates 360 Painting as a D-grade franchise with a risk score of 75 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.