Lifetime Green CoatingsFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Lifetime Green Coatings franchise requires a total initial investment of $117K – $478K, including a $50K franchise fee. Per the 2024 FDD, average unit revenue was $2.2M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 30 loans[1]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $117K – $478K
- 41st pct Home Services
- Avg gross sales
- $2.2M
- 45th pct Home Services
- Royalty
- N/A
- Units
- 36
- 36th pct Home Services
- SBA default
- 0.0%
- 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
Each dollar invested generates 7.5x in gross revenue, well above the typical 1.5-2.5x range.
Only 0.0% of 30 SBA loans charged off, well below the 16% franchise average.
Bottom line
- Total investment $117K – $478K including a $50K franchise fee.
- Average unit revenue of $2.2M/year. Estimated payback in 0.3 years (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 16/100. SBA loan charge-off rate of 0.0% across 30 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- Revenue data based on only 1 reporting unit. Treat as directional, not definitive. Ask franchisees directly for current unit economics.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Lifetime Green Coatings LLC
- Incorporated in
- DE
- HQ
- 12415 Old Meridian Street, Carmel, Indiana 46032
Overview
About
Franchisees operate a protective coating and sealant application business, applying commercial-grade coatings to residential and commercial surfaces (decks, patios, concrete, wood). Day-to-day operations involve estimating jobs, managing crews, applying coatings, customer service, and handling sales/marketing within a protected territory.
- CEO
- Michael Dzama
- Headquarters
- IN
- Founded
- 2019
- FDD year
- 2024
- States available
- 21
FDD Item 7 · 2024 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $15K | $42K |
| Equipment, build-out, other | $53K | $386K |
| Total initial investment | $117K | $478K |
Source: Lifetime Green Coatings 2024 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
$267K
12.0% margin
Unlevered ROIC
82%
EBITDA / total invested capital
Payback
15 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $117K – $478K
- Near category avg vs category
- Liquid capital req'd
- $15K – $42K
- Better than avg vs category
- Franchise fee
- $50K – $300K
- Better than avg vs category
- Royalty
- Greater of 7% of Gross Sales or Minimum Weekly Royalty Re…
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
- Payback period
- 0.3 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $400 |
| Transfer fee | $10K |
| Renewal fee | $5K |
| Total fee load | 8.0% of rev |
Financial Performance
- Avg gross sales
- $2.2M
- Per unit, per year
- Median gross sales
- N/A
- Avg p&l bottom line
- $877K
- Reported as P&L Bottom Line in FDD Item 19
- Item 19 type
- Company-owned
- Sample size
- 1 units
- vs category median 25 · small
- Range (low → high)
- $2.2M→$2.2M
- Cohort dispersion (min → max)
- Transparency
- 9 / 5
- vs category median 4 / 5 · above
Compared against 349 Home Services brands
Revenue is 7.5x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Home Services averages
How Lifetime Green Coatings Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 36
- Opened
- 35
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 97%
- vs corporate-owned
3-year detail · Item 20
- Transfers (3yr)
- 0
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 23 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
- 30
- Loan volume
- $5.4M
- Median loan
- $205K
- 50th percentile
- Charge-off rate
- 0.0%
- 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)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 4
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Lifetime Green Coatings's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 4 lenders with concentration factor
- Per-state charge-off rates across 12 states
- Startup risk premium and job creation velocity
- 3-year lending trend
Instant access. No subscription.
With a 0.0% charge-off rate across 30 loans, banks have historically viewed this brand favorably for lending.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Lifetime Green Coatings presents meaningful franchise risk due to lack of financial disclosure (no Item 19), unclear unit growth, small system size, and corporate going concern issues, despite strong average unit economics that cannot be independently verified.
Audited financials (Item 21)
Yes
Score breakdown · what drove the 16 / 100 rating
- 01MEDNo Item 19 (Financial Performance Representations) disclosed — cannot verify if $876k avg net income is achievable or realistic
- 02MEDOnly 36 units system-wide with unknown growth trajectory — suggests limited scale, unproven expansion model, or potential contraction
- 03MEDHigh capital requirement ($117k-$477k) relative to franchise fee ($49.5k) with no disclosed Item 19 to justify ROI claims
- 04MINORMinimum weekly royalties ($375-$3,750) create fixed cost burden regardless of sales — particularly punitive for struggling locations
- 05HIGHGoing Concern status FALSE — suggests financial viability concerns at corporate level, raising questions about support and longevity
- 06MINORWide investment range ($360k spread) indicates inconsistent unit economics or undefined territory/service scope
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 | 1 |
| Territory type | Household count |
| 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 | Yes |
| Jury trial waiver | Yes |
| Governing law | Texas |
| Litigation count | 0 |
Items 10, 11
Training & Operations
- Classroom training
- 24 hrs
- On-the-job training
- 16 hrs
- POS system
- Business Management System
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Business Management System
Item 20 · call current owners
Franchisee Contacts
40 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Lifetime Green Coatings · FDD (2024) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Lifetime Green Coatings franchise?
The total investment to open a Lifetime Green Coatings franchise ranges from $117K – $478K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Lifetime Green Coatings franchise owners earn?
According to Item 19 of the Lifetime Green Coatings FDD, the average gross sales per unit is $2.2M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Lifetime Green Coatings's franchise failure rate?
Based on SBA 7(a) loan data, Lifetime Green Coatings has a charge-off rate of 0.0% across 30 loans, meaning 0.0% 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 Lifetime Green Coatings franchise locations are there?
As of their most recent FDD filing, Lifetime Green Coatings has 36 total units in the United States, including 0 franchised units and 1 company-owned units. 35 new units were opened in the latest reporting year.
Is Lifetime Green Coatings a good franchise to buy?
FranchiseVerdict rates Lifetime Green Coatings as a A-grade franchise with a risk score of 16 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.