1-800 Water Damage vs FIVE STAR PAINTING
Compare FDD disclosures, investment range, royalty and ad fund burden, SBA lending outcomes, Item 20-style unit movement, Item 19 transparency, and data-confidence caveats with a permanent shareable URL.
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1-800 Water Damage
Home Services
Investment
$221K to $315K
Franchise fee
$59,000
Item 19 status
Revenue Only
Confidence
High Confidence
Units
178
FIVE STAR PAINTING
Home Services
Investment
$77K to $185K
Franchise fee
$45,000
Item 19 status
Limited Data
Confidence
High Confidence
Units
234
Lower entry cost
Leans right
Based on disclosed minimum initial investment only; buyer cash needs may be higher after working capital, lease, and financing assumptions.
Better disclosed economics
1-800 Water Damage
Uses the same Item 19 transparency hierarchy shown on franchise pages and rankings.
Lower SBA default risk
Leans left
Treat low-loan brands carefully; sample size and SBA borrower mix matter.
| Metric | 1-800 Water Damage | FIVE STAR PAINTING |
|---|---|---|
Franchise Fee From disclosed FDD fee data when available; excludes buyer-specific legal, diligence, and financing costs. | $59,000 | $45,000 |
Min Investment Lower bound of disclosed initial investment range, not a recommended capital budget. | $221K | $77K |
Max Investment Upper end of FDD range; still reconcile to site, lease, buildout, and working-capital assumptions. | $315K | $185K |
Royalty Rate Ongoing royalty burden before local store economics and owner salary. | 10.0% | 6.0% |
Ad Fund Rate National/brand fund rate when disclosed; local marketing may be additive. | 0.0% | 2.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 10.0% | 8.0% |
Median Revenue (Item 19) Only meaningful when the franchisor provides an Item 19 financial-performance representation. | $434K | $442K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 12.9% | 33.7% |
Payback Period | 7.7 yrs | 3.0 yrs |
Revenue per Dollar Invested | 1.62x | 3.37x |
Franchised Units Latest disclosed franchised-unit count in the corpus. | 178 | 234 |
1-Year Net Unit Change Item 20-style system movement signal; investigate transfers, closures, and refranchising before assuming organic growth. | -3 | 11 |
Net Unit Growth Rate | -1.8% | 4.8% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 1.7% | N/A |
SBA Default Rate Historical SBA performance for matched loans, not a prediction for a new buyer or location. | 0.0% | 32.4% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 1 | 74 |
Average SBA Loan Size | $498K | $156K |
Item 19 Status Canonical transparency badge used across franchise, ranking, and compare surfaces. | Revenue Only | Limited Data |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Confidence Derived from the same data-quality thresholds used on franchise pages. | High Confidence · 100/100 | High Confidence · 100/100 |
What stands out
- • 1-800 Water Damage discloses an initial investment range of $221K to $315K, while FIVE STAR PAINTING discloses $77K to $185K. Treat these as FDD ranges, not a full purchase budget.
- • 1-800 Water Damage shows an Item 19 financial-performance disclosure; FIVE STAR PAINTING shows an Item 19 financial-performance disclosure. Missing Item 19 data should narrow confidence, not automatically kill a brand.
- • 1-800 Water Damage has 178 franchised units versus 234 for FIVE STAR PAINTING; use one-year net unit movement and closure proxies as early diligence signals, not final underwriting.
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Last updated: May 2026