Buying a Painting With A Twist franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 5 7(a) loans to buy an existing Painting With A Twist (classified mostly as All Other Miscellaneous Retailers), totaling $927K. The median loan was $164,000, 75% lower than the $645,250 median for all SBA-financed acquisitions.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Painting With A Twist resale loans landed between $135,000 and $212,000.
- Lender experience exists. Citizens Bank alone has financed 2 Painting With A Twist resales.
- Guaranty. The SBA guaranteed 78% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Painting With A Twist resale
The median SBA 7(a) loan for a Painting With A Twist resale was $164,000 across 5 loans (FY2018 to FY2026). Citizens Bank, United Midwest Savings Bank National Association and The Huntington National Bank have financed the most Painting With A Twist resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Painting With A Twist acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 1 | $120K | $120,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 3 | $672K | $212,000 | |
| FY2024 | 1 | $135K | $135,000 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Painting With A Twist acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Painting With A Twist resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Citizens Bank | 2 | 40.0% | $508K | |
| 2 | United Midwest Savings Bank National Association | 1 | 20.0% | $164K | |
| 3 | The Huntington National Bank | 1 | 20.0% | $135K | |
| 4 | Guaranty Bank | 1 | 20.0% | $120K |
States where Painting With A Twist units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Michigan | 1 | 20.0% | $296K | |
| 2 | Colorado | 1 | 20.0% | $212K | |
| 3 | Florida | 1 | 20.0% | $164K | |
| 4 | Pennsylvania | 1 | 20.0% | $135K | |
| 5 | Missouri | 1 | 20.0% | $120K |
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How lenders classify Painting With A Twist
Lenders code each loan to a NAICS industry. For Painting With A Twist the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | All Other Miscellaneous Retailers | 2 | 40.0% | $508K | |
| 2 | All Other Amusement and Recreation Industries | 2 | 40.0% | $255K | |
| 3 | All Other Professional, Scientific, and Technical Services | 1 | 20.0% | $164K |
Questions buyers ask
How much do buyers borrow to buy a Painting With A Twist franchise?
The median SBA 7(a) loan for a Painting With A Twist resale was $164,000 across 5 loans (FY2018 to FY2026). The middle half of loans ran from $135,000 to $212,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Painting With A Twist acquisitions?
Citizens Bank has made the most SBA acquisition loans for Painting With A Twist (2, 40% of the total). United Midwest Savings Bank National Association, The Huntington National Bank, Guaranty Bank follow.
What interest rate and term do Painting With A Twist acquisition loans carry?
The average initial rate at approval was 10.25% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Painting With A Twist resale riskier than other SBA-financed acquisitions?
Too few Painting With A Twist acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Painting With A Twist units being bought with SBA loans?
Michigan (1), Colorado (1), Florida (1), Pennsylvania (1), Missouri (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
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Related
- All All Other Miscellaneous Retailers acquisitions
- Michigan acquisitions
- Colorado acquisitions
- Florida acquisitions
- Citizens Bank
- United Midwest Savings Bank National Association
- The Huntington National Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Painting With A Twist" (franchise code S1265). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.