Franchise brands › CertaPro Painters
Franchise brand147 approvals since FY2013
SBA loans to CertaPro Painters franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 147 loan approvals since FY2013 under the CertaPro Painters franchise brand, worth $56.2M; 67 of them came in FY2021 to FY2025.
In FY2025 there were 12, up 20% on FY2024. The average approval in the five-year window was $478K, and 1 of the approvals were 504 loans.
26 lenders made the FY2021 to FY2025 loans across 24 states; the most active were Live Oak Banking Company (11), Bank of America, National Association (3) and Harvest Small Business Finance, LLC (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 7.4% as charged off, above the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 8 | $7.6M | $948K | 0 | 52 |
| FY2025 | 12 | $7.1M | $596K | 0 | 72 |
| FY2024 | 10 | $3.0M | $302K | 0 | 146 |
| FY2023 | 18 | $5.1M | $286K | 0 | 101 |
| FY2022 | 15 | $7.1M | $472K | 1 | 92 |
| FY2021 | 12 | $9.6M | $802K | 0 | 102 |
| FY2020 | 13 | $5.7M | $440K | 0 | 105 |
| FY2019 | 12 | $2.5M | $208K | 0 | 95 |
| FY2018 | 9 | $1.6M | $174K | 1 | 17 |
| FY2017 | 10 | $1.4M | $137K | 0 | 78 |
| FY2016 | 12 | $2.8M | $236K | 1 | 83 |
SBA's franchise field lists the brand as "CERTAPRO PAINTERS"; "CertaPro Painters". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | CertaPro Painters | All SBA loans |
|---|---|---|
| Approvals in these years | 84 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 81 | 633,669 |
| Paid in full | 59 | 471,304 |
| Charged off | 6 | 37,796 |
| Still outstanding (status exempt from disclosure) | 16 | 124,569 |
| Charged off, share of disbursed loans | 7.4% | 6.0% |
| Dollars charged off, share of disbursed dollars | 1.8% | 2.2% |
| Dollars charged off | $443K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 11 | $4.9M | 16.4% | |
| 2 | Bank of America, National AssociationCharlotte, NC | 3 | $1.2M | 4.5% | |
| 3 | Harvest Small Business Finance, LLCLaguna Hills, CA | 2 | — | 3.0% | |
| 4 | UMB Bank, National AssociationKansas City, MO | 2 | — | 3.0% | |
| 5 | Old National BankEvansville, IN | 2 | — | 3.0% | |
| 6 | The Huntington National BankColumbus, OH | 2 | — | 3.0% | |
| 7 | First Bank of the LakeOsage Beach, MO | 2 | — | 3.0% | |
| 8 | TD Bank, National AssociationWilmington, DE | 2 | — | 3.0% | |
| 9 | Customers BankMalvern, PA | 2 | — | 3.0% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 3.0% | |
| 11 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 3.0% | |
| 12 | Glacier BankKalispell, MT | 2 | — | 3.0% | |
| 13 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 3.0% | |
| 14 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 3.0% | |
| 15 | Pinnacle BankNashville, TN | 1 | — | 1.5% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Florida | 6 | 9.0% | |
| 2 | Virginia | 5 | 7.5% | |
| 3 | New York | 5 | 7.5% | |
| 4 | Tennessee | 4 | 6.0% | |
| 5 | New Hampshire | 4 | 6.0% | |
| 6 | Maryland | 4 | 6.0% | |
| 7 | Massachusetts | 3 | 4.5% | |
| 8 | California | 3 | 4.5% | |
| 9 | South Carolina | 3 | 4.5% | |
| 10 | Texas | 3 | 4.5% | |
| 11 | New Jersey | 3 | 4.5% | |
| 12 | Idaho | 3 | 4.5% | |
| 13 | Wisconsin | 2 | 3.0% | |
| 14 | North Carolina | 2 | 3.0% | |
| 15 | Washington | 2 | 3.0% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Finishing ContractorsNAICS 2383 | 65 | 97.0% | |
| 2 | Paint, Coating, and Adhesive ManufacturingNAICS 3255 | 1 | 1.5% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 1 | 1.5% |
Approval sizes
- $50,000 or less14.9%10
- $50,001 to $150,00016.4%11
- $150,001 to $350,00023.9%16
- $350,001 to $1 million34.3%23
- $1 million to $2 million7.5%5
- Over $2 million3.0%2
Age of the businesses
- Existing, more than 2 years old31.3%21
- New business, 2 years or less7.5%5
- Startup, loan funds will open the business17.9%12
- Change of ownership43.3%29
Questions and answers
How many SBA loans go to CertaPro Painters franchises?
147 approvals since FY2013, worth $56.2M; 67 in FY2021 to FY2025.
Which lenders make SBA loans for CertaPro Painters franchises?
By approvals in FY2021 to FY2025: Live Oak Banking Company (11), Bank of America, National Association (3), Harvest Small Business Finance, LLC (2), UMB Bank, National Association (2), Old National Bank (2).
How large is a typical SBA loan for a CertaPro Painters franchise?
The average approval in FY2021 to FY2025 was $478K.
What share of CertaPro Painters SBA loans are charged off?
Of 81 disbursed loans approved in FY2010 to FY2021, 6 (7.4%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to CertaPro Painters franchises rising?
Approvals in the three latest complete fiscal years total 40, against 40 in the three before: broadly level (0%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error