Franchise financing
Comfort Keepers franchise financing
What it costs to finance a Comfort Keepers franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 107
- Total funded
- $69.8M
- Median loan
- $279K
- 7(a) charge-off
- 0.9%
What financing a Comfort Keepers franchise costs
The median SBA loan to a Comfort Keepers franchisee is $279K, and the middle half of Comfort Keepers's 107 loans run $143K to $788K (average $652K). Across all SBA-financed franchises the median loan is $350K. Comfort Keepers buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Comfort Keepers loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 103 Comfort Keepers loans where the SBA recorded a business age, 33.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Comfort Keepers
Comfort Keepers franchisees have financed with 107 SBA loans since FY2010, averaging $652K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (105 of the 107 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Comfort Keepers's 7(a) charge-off rate is 0.9% across 105 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Comfort Keepers
By SBA loan count
Where Comfort Keepers gets funded
Top states by loan count
- 1. California 12
- 2. Washington 7
- 3. North Carolina 4
- 4. New York 4
- 5. Virginia 6
- 6. Texas 4
- 7. Tennessee 3
- 8. Arizona 2
Financing a Comfort Keepers?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Comfort Keepers SBA financing FAQ
How much does a Comfort Keepers franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Comfort Keepers franchisee is $279K, and the middle half of Comfort Keepers's 107 loans run $143K to $788K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Comfort Keepers's franchise disclosure document.
Can you use an SBA loan for Comfort Keepers?
Yes. Lenders have funded 107 SBA loans to Comfort Keepers franchisees, worth $69.8M in all, so Comfort Keepers is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Comfort Keepers?
The data says yes: of Comfort Keepers's 103 SBA loans that record a business age, 33.0% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Comfort Keepers?
By loan count, the most active SBA lenders for Comfort Keepers are Live Oak Banking Company, Open Bank, CIBC Bank USA, among others. A lender already active with your brand often moves faster.
What is Comfort Keepers's SBA charge-off rate?
Across Comfort Keepers's 105 SBA 7(a) loans, 0.9% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Comfort Keepers?
Mostly 7(a): 105 of Comfort Keepers's 107 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Comfort Keepers loan term is 10 years.