Franchise financing
HOME INSTEAD SENIOR CARE franchise financing
What it costs to finance a 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
- 175
- Total funded
- $85.6M
- Median loan
- $256K
- 7(a) charge-off
- 1.8%
What financing a HOME INSTEAD SENIOR CARE franchise costs
The median SBA loan to a HOME INSTEAD SENIOR CARE franchisee is $256K, and the middle half of HOME INSTEAD SENIOR CARE's 175 loans run $100K to $670K (average $489K). Across all SBA-financed franchises the median loan is $350K. HOME INSTEAD SENIOR CARE 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 HOME INSTEAD SENIOR CARE loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 167 HOME INSTEAD SENIOR CARE loans where the SBA recorded a business age, 56.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance HOME INSTEAD SENIOR CARE
HOME INSTEAD SENIOR CARE franchisees have financed with 175 SBA loans since FY2010, averaging $489K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (162 of the 175 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
HOME INSTEAD SENIOR CARE's 7(a) charge-off rate is 1.8% across 162 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance HOME INSTEAD SENIOR CARE
By SBA loan count
Where HOME INSTEAD SENIOR CARE gets funded
Top states by loan count
- 1. California 21
- 2. Texas 12
- 3. Massachusetts 13
- 4. Florida 12
- 5. North Carolina 5
- 6. Pennsylvania 12
- 7. Virginia 4
- 8. Nebraska 4
Financing a HOME INSTEAD SENIOR CARE?
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.
HOME INSTEAD SENIOR CARE SBA financing FAQ
How much does a 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 SENIOR CARE franchisee is $256K, and the middle half of HOME INSTEAD SENIOR CARE's 175 loans run $100K to $670K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of HOME INSTEAD SENIOR CARE's franchise disclosure document.
Can you use an SBA loan for HOME INSTEAD SENIOR CARE?
Yes. Lenders have funded 175 SBA loans to HOME INSTEAD SENIOR CARE franchisees, worth $85.6M in all, so 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 SENIOR CARE?
The data says yes: of HOME INSTEAD SENIOR CARE's 167 SBA loans that record a business age, 56.9% 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 SENIOR CARE?
By loan count, the most active SBA lenders for HOME INSTEAD SENIOR CARE are American National Bank, First National Bank of Pennsylvania, Wells Fargo Bank National Association, among others. A lender already active with your brand often moves faster.
What is HOME INSTEAD SENIOR CARE's SBA charge-off rate?
Across HOME INSTEAD SENIOR CARE's 162 SBA 7(a) loans, 1.8% 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 SENIOR CARE?
Mostly 7(a): 162 of HOME INSTEAD SENIOR CARE's 175 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median HOME INSTEAD SENIOR CARE loan term is 10 years.