SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Five Star Bath Solutions franchise in Virginia: what the public record shows
Franchisees of Five Star Bath Solutions in Virginia have taken 5 SBA loans in the FY1991–present FOIA files (average $92,600). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Five Star Bath Solutions has too few seasoned resolved loans nationally for a national ratio.
Loans in VA
5
Charged off (all years)
1 of 2
Loss ratio in VA
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
3,746
statewide, all operators
Per 100k residents
42.5
national 39.6
Versus the country
+7%
denser
Every business in Five Star Bath Solutions's industry operating in Virginia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,199
Virginia, BLS QCEW 2025
National average
$1,252
same industry, all states
Versus the country
-4%
cheaper to staff
What Five Star Bath Solutions's industry actually pays workers in Virginia, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in VA | Charged off (all years) | Loss ratio in VA | Units in VA |
|---|---|---|---|---|
| GLASS DOCTOR | 16 | 4 of 7 | — | 5 |
| CERTA PROPAINTERS | 14 | 1 of 8 | — | 17 |
| Mr. Handyman | 10 | 2 of 7 | — | — |
| Budget Blinds | 8 | 0 of 6 | — | — |
| College Hunks Hauling Junk | 8 | 1 of 3 | — | 7 |
| FCI | 8 | 0 of 2 | — | 13 |
| Closet Factory | 7 | 0 of 5 | — | — |
| MR. APPLIANCE | 7 | 1 of 4 | — | 9 |
| ProLift Garage Doors | 6 | 1 of 1 | — | — |
| ACE HANDYMAN SERVICES | 5 | 1 of 1 | — | 11 |
| That 1 Painter | 5 | — | — | 14 |
Other systems in Five Star Bath Solutions's sector whose franchisees borrowed in Virginia. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Five Star Bath Solutions’ numbers, including talking you out of a bad deal.