Franchise brands › Painting With A Twist
Franchise brand68 approvals since FY2011
SBA loans to Painting With A Twist 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 68 loan approvals since FY2011 under the Painting With A Twist franchise brand, worth $8.2M; 10 of them came in FY2021 to FY2025.
In FY2025 there were 1. The average approval in the five-year window was $173K.
5 lenders made the FY2021 to FY2025 loans across 7 states; the most active were Citizens Bank (3), The Huntington National Bank (3) and United Midwest Savings Bank National Association (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 10.2% 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* | 2 | — | — | 0 | 4 |
| FY2025 | 1 | — | — | 0 | 1 |
| FY2024 | 4 | $579K | $145K | 0 | 11 |
| FY2023 | 5 | $895K | $179K | 0 | 30 |
| FY2022 | 0 | — | — | 0 | 0 |
| FY2021 | 0 | — | — | 0 | 0 |
| FY2020 | 2 | — | — | 0 | 12 |
| FY2019 | 1 | — | — | 0 | 7 |
| FY2018 | 10 | $1.7M | $165K | 0 | 85 |
| FY2017 | 13 | $1.3M | $96K | 0 | 111 |
| FY2016 | 10 | $1.1M | $112K | 0 | 105 |
SBA's franchise field lists the brand as "PAINTING WITH A TWIST"; "Painting With A Twist". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Painting With A Twist | All SBA loans |
|---|---|---|
| Approvals in these years | 56 | 725,496 |
| Cancelled or never disbursed | 7 | 91,827 |
| Disbursed loans | 49 | 633,669 |
| Paid in full | 40 | 471,304 |
| Charged off | 5 | 37,796 |
| Still outstanding (status exempt from disclosure) | 4 | 124,569 |
| Charged off, share of disbursed loans | 10.2% | 6.0% |
| Dollars charged off, share of disbursed dollars | 7.6% | 2.2% |
| Dollars charged off | $392K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Citizens BankElizabethton, TN | 3 | $760K | 30.0% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $370K | 30.0% | |
| 3 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 20.0% | |
| 4 | ACC CapitalLittle Rock, AR | 1 | — | 10.0% | |
| 5 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 10.0% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Michigan | 2 | 20.0% | |
| 2 | Texas | 2 | 20.0% | |
| 3 | Washington | 2 | 20.0% | |
| 4 | Colorado | 1 | 10.0% | |
| 5 | Georgia | 1 | 10.0% | |
| 6 | Florida | 1 | 10.0% | |
| 7 | Pennsylvania | 1 | 10.0% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Miscellaneous RetailersNAICS 4599 | 4 | 40.0% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 30.0% | |
| 3 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 1 | 10.0% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 10.0% | |
| 5 | Other Schools and InstructionNAICS 6116 | 1 | 10.0% |
Approval sizes
- $50,000 or less10.0%1
- $50,001 to $150,00030.0%3
- $150,001 to $350,00060.0%6
Age of the businesses
- Startup, loan funds will open the business50.0%5
- Change of ownership50.0%5
Questions and answers
How many SBA loans go to Painting With A Twist franchises?
68 approvals since FY2011, worth $8.2M; 10 in FY2021 to FY2025.
Which lenders make SBA loans for Painting With A Twist franchises?
By approvals in FY2021 to FY2025: Citizens Bank (3), The Huntington National Bank (3), United Midwest Savings Bank National Association (2), ACC Capital (1), Newtek Small Business Finance, Inc. (1).
How large is a typical SBA loan for a Painting With A Twist franchise?
The average approval in FY2021 to FY2025 was $173K.
What share of Painting With A Twist SBA loans are charged off?
Of 49 disbursed loans approved in FY2010 to FY2021, 5 (10.2%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Painting With A Twist franchises rising?
Volumes are too small to compare periods.
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