SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Painting With a Twist franchise in California: what the public record shows
Franchisees of Painting With a Twist in California have taken 8 SBA loans since 1991 (average $161,312)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 11.1% is the better guide.
Loans in CA
8
Resolved
3
Local charge-off
thin
National charge-off
11.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
11,669
statewide, all operators
Per 100k residents
29.6
national 26.5
Versus the country
+12%
denser
Every business in Painting With a Twist's industry operating in California — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in CA | Local charge-off | Units in CA |
|---|---|---|---|
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 37 | 32.0% | 61 |
| Huntington Learning Center | 28 | 43.5% | — |
| Kiddie Academy | 27 | 0.0% | — |
| The Goddard School | 22 | thin | — |
| Arthur Murray Dance Studio | 17 | thin | — |
| PRIMROSE SCHOOLS | 17 | thin | 9 |
| Tutor Time | 15 | 23.1% | — |
| The Learning Experience | 14 | thin | — |
| School of Rock | 12 | thin | — |
| Building Kidz School | 11 | thin | 32 |
| BRITISH SWIM SCHOOL | 10 | thin | 40 |
| Gymboree | 8 | thin | — |
Same sector, same state, same public records — how Painting With a Twist compares to the systems a buyer in California would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Painting With a Twist's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →