360 Painting vs Koala Insulation
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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360 Painting
Home Services
Investment
$112K to $196K
Franchise fee
$65,000
Item 19 status
Revenue Only
Units
160
Koala Insulation
Home Services
Investment
$195K to $242K
Franchise fee
$49,500
Item 19 status
Revenue Only
Units
385
Lower entry cost
Leans left
Based on minimum initial investment.
Better disclosed economics
Even
Uses Item 19 availability and transparency status.
Lower SBA default risk
Leans right
Treat low-loan brands carefully, sample size matters.
| Metric | 360 Painting | Koala Insulation |
|---|---|---|
Franchise Fee | $65,000 | $49,500 |
Min Investment | $112K | $195K |
Max Investment | $196K | $242K |
Royalty Rate | 6.0% | 6.5% |
Ad Fund Rate | 2.0% | 1.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 8.0% | 7.5% |
Median Revenue (Item 19) | $444K | $1.1M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 28.8% | 50.7% |
Payback Period | 3.5 yrs | 2.0 yrs |
Revenue per Dollar Invested | 2.88x | 4.83x |
Franchised Units | 160 | 385 |
1-Year Net Unit Change | -7 | 7 |
Net Unit Growth Rate | -5.0% | 2.1% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 4.2% | N/A |
SBA Default Rate | 35.9% | 20.8% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 108 | 88 |
Average SBA Loan Size | $162K | $228K |
Item 19 Status | Revenue Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • 360 Painting opens at $112K to $196K, while Koala Insulation ranges from $195K to $242K.
- • 360 Painting shows an Item 19 disclosure; Koala Insulation shows an Item 19 disclosure.
- • 360 Painting has 160 franchised units versus 385 for Koala Insulation.
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Last updated: April 2026