ActiKareFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A ActiKare franchise requires a total initial investment of $33K – $58K, including a $20K franchise fee. Per the 2025 FDD, average unit revenue was $722K[2]. SBA 7(a) loans show a 25.0% charge-off rate across 16 loans[1]. Verdict grade: F. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $33K – $58K
- 1st pct Senior Care
- Avg gross sales
- $722K
- 20th pct Senior Care
- Royalty
- N/A
- Units
- 147
- 72nd pct Senior Care
- SBA default
- 25.0%
- system-wide median varies by category
Quick verdict · Senior Care · color = vs category peers
Green = >15% above Senior Care avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Each dollar invested generates 16.0x in gross revenue, well above the typical 1.5-2.5x range.
25.0% of SBA loans charged off across 16 loans, above the 16% franchise average.
Bottom line
- Total investment $33K – $58K including a $20K franchise fee.
- Average unit revenue of $722K/year (median $594K).
- Verdict F (Bottom Quintile) with a risk score of 88/100. SBA loan charge-off rate of 25.0% across 16 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- ActiKare, Inc.
- Ultimate parent
- None
- CEO title
- Director and CEO
- Mark Lucas
- CEO experience
- 2007 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- FL
- HQ
- 15310 Amberly Drive, Suite 175, Tampa, Florida 33647
- Auditor
- Optimus Financials, Inc.
- Audited financials
- Franchisor revenue
- $2.0M
- vs $2.1M prior year
Independent franchisee associations
- Franchise Advisory Council (FAC)
Franchisee-led councils or alliances disclosed in Item 20. Indicates operator voice.
Affiliated brands
- ML Capital Group
Other brands the franchisor or its parent operates (Item 1).
Overview
About
ActiKare franchisees operate in-home care and personal assistance services, managing caregiver scheduling, client care delivery, and billing for elderly and disabled clients. Day-to-day operations involve recruiting/training caregivers, managing client relationships, handling payroll and compliance, and overseeing service quality across a protected territory.
- CEO
- Mark Lucas
- Headquarters
- FL
- Founded
- 2007
- FDD year
- 2025
- States available
- 34
FDD Item 7 · 2025 filing · 10 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $20K | $40K | |
| Travel and Living Expenses during Training | $1K | $2K | |
| Miscellaneous Opening Costs | $500 | $500 | |
| Computer and other Equipment, Supplies | $550 | $1K | |
| Insurance | $700 | $2K | |
| Scheduling Software | $130 | $200 | |
| Business Telephone Number, Web Hosting and Email Account (3 months)not refundable | $150 | $150 | |
| ActiKare Business Package (3 months)not refundable | $750 | $750 | |
| Initial Launch Advertising (4 months)not refundable | $6K | $6K | |
| Additional Funds - 3 months | $3K | $6K | |
| Total initial investment | $33K | $58K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$116K
16.0% margin
Unlevered ROIC
233%
EBITDA / total invested capital
Payback
5 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $33K – $58K
- Better than avg vs category
- Liquid capital req'd
- $3K – $6K
- Better than avg vs category
- Franchise fee
- $20K – $40K
- Better than avg vs category
- Royalty
- Greater of 5%-3% of Gross Sales or $450-$550 per month
- Ad fund
- Greater of 2% of Gross Sales or $50 per month
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | greater of 5%-3% of Gross Sales or $450-$550 per month |
| Technology fee | $50 |
| Training fee | $2K |
| Transfer fee | $2K |
| Renewal fee | $250 |
| Total fee load | 7.0% of rev |
Financial Performance
- Avg gross sales
- $722K
- Per unit, per year
- Median gross sales
- $594K
- Item 19 type
- gross_sales
- Sample size
- 92 units
- vs category median 22 · large
- Range (low → high)
- $211K→$847K
- Cohort dispersion (min → max)
- Transparency tier
- revenue_only
- Categorical assessment of disclosure depth
- Transparency
- 4 / 5
- vs category median 4 / 5 · typical
Compared against 70 Senior Care brands
Revenue is 16.0x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Senior Care averages
How ActiKare Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 147
- Opened
- 23
- Last reporting year
- Closed
- 2
- Turnover rate
- 1.4%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Multi-unit owners
- 3.6%
- Net growth (yr3)
- +2.1%
- Net unit change last year
- 3-yr CAGR
- +4.3%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 5
- Closed (3yr)
- 1
- Terminated (3yr)
- 3
- Non-renewed (3yr)
- 1
- Transfers (3yr)
- 6
- Reacquired (3yr)
- 24
- Franchisor bought back
- Transfer rate
- 4.1%
- Owners selling to other franchisees
- Termination rate
- 2.7%
- Franchisor-initiated terminations
- Ceased ops
- 0.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 28 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
Available to sell in · Item 12
- Indiana
States where the franchisor is registered to sell new franchises (FDD registration filings).
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 16
- Loan volume
- $2.6M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 25.0%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 66.7%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 7
- Defaults
- 2
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into ActiKare's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 8 states
- Startup risk premium and job creation velocity
- 7-year lending trend
Instant access. No subscription.
A 25.0% charge-off rate means roughly 1 in 4 franchisees failed to repay their SBA loan. Investigate what changed.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
ActiKare presents moderate-to-cautionary risk due to missing profitability disclosure, stagnant unit growth, and lack of clarity on royalty application mechanics despite reasonable initial investment.
Litigation (Item 3)
No litigation is required to be disclosed in this item.
Largest disclosed settlement: $39,750
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Optimus Financials, Inc.
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: Yes
Score breakdown · what drove the 88 / 100 rating
- 01MEDNet income not disclosed in FDD Item 19 — cannot validate profitability claims against $722k average revenue
- 02MINORMinimal system growth at 2.1% YoY with only 147 units — suggests market saturation or recruitment challenges
- 03MINORLow initial investment ($32.5k-$57.5k) relative to average revenue ($722k) creates unrealistic ROI expectations in marketing
- 04MINORHybrid royalty structure (5%-3% or $450-$550/month) is ambiguous — unclear which franchisees pay and under what conditions
- 05HIGHNo going concern statement but minimal financial transparency raises questions about franchisor financial health
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 7 years |
|---|---|
| Renewal term | 7 years |
| Territory type | Population |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory population | 100,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in this item.
Items 10, 11
Training & Operations
- Classroom training
- 30 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and corporate
- Ongoing training
- Required
- Franchisor financing
- Offered
- Item 10
- POS system
- QuickBooks
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: QuickBooks
Item 20 · call current owners
Franchisee Contacts
46 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
ActiKare · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a ActiKare franchise?
The total investment to open a ActiKare franchise ranges from $33K – $58K, with an initial franchise fee of $20K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do ActiKare franchise owners earn?
According to Item 19 of the ActiKare FDD, the average gross sales per unit is $722K. The median is $594K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is ActiKare's franchise failure rate?
Based on SBA 7(a) loan data, ActiKare has a charge-off rate of 25.0% across 16 loans, meaning 25.0% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many ActiKare franchise locations are there?
As of their most recent FDD filing, ActiKare has 147 total units in the United States, including 141 franchised units and 0 company-owned units. 23 new units were opened in the latest reporting year.
Is ActiKare a good franchise to buy?
FranchiseVerdict rates ActiKare as a F-grade franchise with a risk score of 88 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.