Franchise financing
Home Instead/Home Instead Senior Care franchise financing
What it costs to finance a Home Instead/Home Instead Senior Care 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
- 231
- Total funded
- $169.2M
- Median loan
- $350K
- 7(a) charge-off
- 0.0%
What financing a Home Instead/Home Instead Senior Care franchise costs
The median SBA loan to a Home Instead/Home Instead Senior Care franchisee is $350K, and the middle half of Home Instead/Home Instead Senior Care's 231 loans run $130K to $920K (average $732K). Across all SBA-financed franchises the median loan is $350K. Home Instead/Home Instead Senior Care buyers borrow about the same as 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 Home Instead/Home Instead Senior Care loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 225 Home Instead/Home Instead Senior Care loans where the SBA recorded a business age, 25.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Home Instead/Home Instead Senior Care
Home Instead/Home Instead Senior Care franchisees have financed with 231 SBA loans since FY2010, averaging $732K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (219 of the 231 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Home Instead/Home Instead Senior Care's 7(a) charge-off rate is 0.0% across 219 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Home Instead/Home Instead Senior Care
By SBA loan count
- 1. Live Oak Banking Company 75
- 2. American National Bank 55
- 3. Arbor Bank 4
- 4. DFCU Financial 2
- 5. Byline Bank 6
- 6. First National Bank of Pennsylvania 3
- 7. First Commonwealth Bank 7
- 8. Banc of California 1
Get matched to a Home Instead/Home Instead Senior Care lender →
Where Home Instead/Home Instead Senior Care gets funded
Top states by loan count
- 1. Florida 18
- 2. California 25
- 3. Ohio 9
- 4. Texas 26
- 5. Maryland 6
- 6. North Carolina 7
- 7. Virginia 6
- 8. Kentucky 4
Financing a Home Instead/Home Instead Senior Care?
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Home Instead/Home Instead Senior Care SBA financing FAQ
How much does a Home Instead/Home Instead Senior Care franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Home Instead/Home Instead Senior Care franchisee is $350K, and the middle half of Home Instead/Home Instead Senior Care's 231 loans run $130K to $920K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Home Instead/Home Instead Senior Care's franchise disclosure document.
Can you use an SBA loan for Home Instead/Home Instead Senior Care?
Yes. Lenders have funded 231 SBA loans to Home Instead/Home Instead Senior Care franchisees, worth $169.2M in all, so Home Instead/Home Instead Senior Care is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Home Instead/Home Instead Senior Care?
The data says yes: of Home Instead/Home Instead Senior Care's 225 SBA loans that record a business age, 25.8% 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 Home Instead/Home Instead Senior Care?
By loan count, the most active SBA lenders for Home Instead/Home Instead Senior Care are Live Oak Banking Company, American National Bank, Arbor Bank, among others. A lender already active with your brand often moves faster.
What is Home Instead/Home Instead Senior Care's SBA charge-off rate?
Across Home Instead/Home Instead Senior Care's 219 SBA 7(a) loans, 0.0% 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 Home Instead/Home Instead Senior Care?
Mostly 7(a): 219 of Home Instead/Home Instead Senior Care's 231 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Home Instead/Home Instead Senior Care loan term is 10 years.