Franchise financing
Right at Home franchise financing
What it costs to finance a Right at Home 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
- 164
- Total funded
- $81.2M
- Median loan
- $250K
- 7(a) charge-off
- 1.9%
What financing a Right at Home franchise costs
The median SBA loan to a Right at Home franchisee is $250K, and the middle half of Right at Home's 164 loans run $100K to $693K (average $495K). Across all SBA-financed franchises the median loan is $350K. Right at Home 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 Right at Home loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 152 Right at Home loans where the SBA recorded a business age, 33.6% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Right at Home
Right at Home franchisees have financed with 164 SBA loans since FY2010, averaging $495K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (160 of the 164 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Right at Home's 7(a) charge-off rate is 1.9% across 160 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Right at Home
By SBA loan count
Where Right at Home gets funded
Top states by loan count
- 1. California 32
- 2. Florida 13
- 3. New York 8
- 4. Massachusetts 10
- 5. Colorado 6
- 6. Maryland 3
- 7. Texas 12
- 8. Illinois 6
Financing a Right at Home?
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.
Right at Home SBA financing FAQ
How much does a Right at Home franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Right at Home franchisee is $250K, and the middle half of Right at Home's 164 loans run $100K to $693K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Right at Home's franchise disclosure document.
Can you use an SBA loan for Right at Home?
Yes. Lenders have funded 164 SBA loans to Right at Home franchisees, worth $81.2M in all, so Right at Home is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Right at Home?
The data says yes: of Right at Home's 152 SBA loans that record a business age, 33.6% 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 Right at Home?
By loan count, the most active SBA lenders for Right at Home are Live Oak Banking Company, Wells Fargo Bank National Association, Truist Bank, among others. A lender already active with your brand often moves faster.
What is Right at Home's SBA charge-off rate?
Across Right at Home's 160 SBA 7(a) loans, 1.9% 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 Right at Home?
Mostly 7(a): 160 of Right at Home's 164 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Right at Home loan term is 10 years.