Fresh Coat, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0672)
17 deals since 2020 · typical deal $150K
17
Deals since 2020
$150K
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Fresh Coat
Most Fresh Coat deals financed between $103K and $235K. Above $235K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,218
- Down payment (10%)
- $17K
- Cash to close (all-in)
- $21K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$21K)
Experience
Recent financings
- Delicate Arch Finishes Limited Liability Co. in Taylorsville, UT — $150K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 69 days
- Approved
- 12/4/2025
- First disbursed
- 2/11/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- JAMES PAVLETICH SERVICES LLC in Morris, IL — $150K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 3/17/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Window to the Wall Painting, LLC in Fort Myers, FL — $235K (2025) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $176K (75%)
- Approval → funding
- 11 days
- Approved
- 1/23/2025
- First disbursed
- 2/3/2025
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Painting and Wall Covering Contractors
If you were the buyer here
- Est. deal size
- $261K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $35K
- Monthly payment
- $3,106
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $47K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
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- Northwest Arkansas Home Services LLC in Siloam Springs, AR — $108K (2025) · Arvest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $92K (85%)
- Approval → funding
- 33 days
- Approved
- 9/24/2025
- First disbursed
- 10/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by Arvest Bank · Lender record →
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- Fresh Coat Painters of Melbourne in Fort Pierce, FL — $100K (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 24 days
- Approved
- 8/11/2025
- First disbursed
- 9/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by Newtek Bank, National Association · Lender record →
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- Window to the Wall Painting, LLC in Fort Myers, FL — $50K (2025) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 72 days
- Approved
- 1/23/2025
- First disbursed
- 4/5/2025
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Painting and Wall Covering Contractors
If you were the buyer here
- Est. deal size
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $661
- Annual debt service
- $8K
- Cash flow needed (1.25×)
- $10K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
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- Carlile Corporation LLC dba Fresh Coat Painters in Odessa, TX — $150K (2024) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 35 days
- Approved
- 4/26/2024
- First disbursed
- 5/31/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- 3CJR PAINTING, INC. in Tracy, CA — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 3/22/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Painting and Wall Covering Contractors
Funded by BayFirst National Bank · Lender record →
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- RC Venture, LLC in Wichita, KS — $103K (2024) · Community National Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $88K (85%)
- Approval → funding
- 59 days
- Approved
- 2/29/2024
- First disbursed
- 4/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by Community National Bank & Trust · Lender record →
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- BRB Ventures LLC in Clinton, OH — $1.1M (2022) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 126 months
- SBA guaranteed
- $797K (75%)
- Approval → funding
- 21 days
- Approved
- 7/15/2022
- First disbursed
- 8/5/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by KeyBank National Association · Lender record →
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Who funds Fresh Coat — and where
Every dot is a financed Fresh Coat — 17 mapped.
Financed Fresh Coat locations — list all 17 as text
- 3CJR PAINTING, INC. — Tracy · $375K · FY2021 · All Other Specialty Trade Contractors
- HARRISON LEGACY LLC — Blue Ash · $63K · FY2021 · Painting and Wall Covering Contractors
- Carlile Corporation LLC dba Fresh Coat Painters — Odessa · $150K · FY2024 · Painting and Wall Covering Contractors
- Fresh Coat Painters of Melbourne — Fort Pierce · $100K · FY2025 · Painting and Wall Covering Contractors
- Northwest Arkansas Home Services LLC — Siloam Springs · $108K · FY2025 · Painting and Wall Covering Contractors
- Delicate Arch Finishes Limited Liability Co. — Taylorsville · $150K · FY2026 · Painting and Wall Covering Contractors
- JAMES PAVLETICH SERVICES LLC — Morris · $150K · FY2026 · Painting and Wall Covering Contractors
- BRB Ventures LLC — Clinton · $1.1M · FY2022 · Painting and Wall Covering Contractors
- BRB Ventures LLC — Clinton · $1.1M · FY2022 · Painting and Wall Covering Contractors
- BRB Ventures LLC — Clinton · $150K · FY2022 · Painting and Wall Covering Contractors
- The Estrada Color Company LLC — Georgetown · $153K · FY2022 · Painting and Wall Covering Contractors
- RC Venture, LLC — Wichita · $103K · FY2024 · Painting and Wall Covering Contractors
- 3CJR PAINTING, INC. — Tracy · $150K · FY2024 · Painting and Wall Covering Contractors
- Window to the Wall Painting, LLC — Fort Myers · $235K · FY2025 · Painting and Wall Covering Contractors
- Window to the Wall Painting, LLC — Fort Myers · $50K · FY2025 · Painting and Wall Covering Contractors
- NEXTGEN PAINTING LLC — Xenia · $7K · FY2020 · Painting and Wall Covering Contractors
- PMT Painting of Charleston, LLC — Summerville · $649K · FY2021 · Painting and Wall Covering Contractors
Top lenders for this brand
Most active states
- 1.Ohio (5 loans)
- 2.Florida (3 loans)
- 3.California (2 loans)
- 4.Texas (2 loans)
- 5.Arkansas (1 loans)
- 6.Utah (1 loans)
- 7.Illinois (1 loans)
- 8.Kansas (1 loans)
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Common questions
How much does a Fresh Coat cost to buy or open?
The typical deal for Fresh Coat is $150K across 17 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.
How risky is Fresh Coat?
Fresh Coat has 17 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Fresh Coat with an SBA loan?
Yes — Fresh Coat has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Fresh Coat franchise
Most Fresh Coat buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Fresh Coat deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Fresh Coat is listed in the SBA Franchise Directory (identifier S0672), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Fresh Coat — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Fresh Coat — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Fresh Coat — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Fresh Coat is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 17 SBA 7(a) deals since 2020
- $150K typical deal
- 6 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0672)
- Top lenders: United Midwest Savings Bank National Association, KeyBank National Association, The Huntington National Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Fresh Coat.