ameriCARE Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
ameriCARE is a senior care franchise providing non-medical in-home care and companionship for seniors. Franchisees run local agencies, recruiting caregivers and managing scheduling, client care, and billing.
FranchiseVerdict summary · 2026
A ameriCARE franchise requires a total initial investment of $168K – $208K, including a $54K franchise fee. The 2026 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 8.3% charge-off rate across 12 loans[1]. FranchiseVerdict grade: D (Below average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2026 FDD issuance
Overview
- Investment
- $168K – $208K
- 90th pct Senior Care
- Avg gross sales
- N/A
- Royalty
- N/A
- Units
- 8
- 31st pct Senior Care
- SBA charge-off
- 8.3%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Senior Care · color = vs category peers
Green = favorable by >10% vs Senior Care avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $168K – $208K including a $54K franchise fee.
- RETURNS2024 and 2023 financial statements were restated to correct accounting for franchise fee revenue under ASC 606 (Note 2). FY2025 audited by successor auditor; FY2024/2023 audited by predecessor auditor. Total operating revenue comprises franchise fees $629,081, royalty fees $697,779, and other revenues $99,547.
- RISKVerdict D (Below average), verdict score 31/100 (higher is better). SBA loan charge-off rate of 8.3% across 12 loans (near or below the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- FLAGAuditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- HHCI, LLC
- Predecessor
- AmeriCare Alliance, Inc.
- Prior franchisor entity
- CEO title
- President and CEO
- Richard Houden
- Incorporated in
- GA
- HQ
- 2018 Powers Ferry Road, Suite 575, Atlanta GA 30339
- Auditor
- Kezos & Dunlavy
- Audited financials
- Franchisor revenue
- $1.4M
- vs $1.1M prior year
- ⚠ Going-concern note
- Disclosed in FDD 2026
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Overview
About
- CEO
- Richard Houden
- Headquarters
- GA
- Founded
- 2013
- FDD year
- 2026
- States available
- 7
Can you afford it, and what does the money buy?
Entry cost runs 27% below the typical senior care franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $54K | $54K |
| Working capital (3–6 mo) | $28K | $52K |
| Equipment, build-out, other | $86K | $102K |
| Total initial investment | $168K | $208K |
Source: ameriCARE 2026 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $168K – $208K
- Bottom third — review vs category
- Liquid capital req'd
- $28K – $52K
- Middle of category vs category
- Franchise fee
- $54K – $54K
- Middle of category vs category
- Royalty
- No royalty paid by area representative to franchisor; are…
- Ad fund
- $400 per month (National Advertising Fund)
- Total fee load
- 2.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Technology fee | $100 |
| Transfer fee | $100K |
| Renewal fee | $5K |
| Total fee load | 2.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
ameriCARE did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one ameriCARE unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
53%
Within the 30–60% "attractive franchise" band
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2026 FDD
Financial Performance
2024 and 2023 financial statements were restated to correct accounting for franchise fee revenue under ASC 606 (Note 2). FY2025 audited by successor auditor; FY2024/2023 audited by predecessor auditor. Total operating revenue comprises franchise fees $629,081, royalty fees $697,779, and other revenues $99,547.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 2.0% — below the Senior Care average of 7.7%.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Operator retention
System shrank 33.3% over 3 years — 3 closures. Ask existing franchisees about local market conditions.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Senior Care averages
How ameriCARE Compares
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 8
- Opened
- 1
- Last reporting year
- Closed
- 3
- Turnover rate
- 37.5%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -33.3%
- Net unit change over 3 years
- 3-yr CAGR
- -33.3%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 1
- Closed (3yr)
- 3
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 3
- Reacquired (3yr)
- 0
- Franchisor bought back
- Termination rate
- 16.7%
- Franchisor-initiated terminations
- Ceased ops
- 16.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 7 states reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
7
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 12
- Loan volume
- $1.9M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 8.3%
- 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)
- 91.7%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 7
- Defaults
- 1
- Typical loan rate
- 8.6%
- avg rate to borrowers
- Franchised industry avg
- 7.5%
- brand above franchise avg ↑
- Jobs supported
- 363
- 18.8 per loan
- Lender concentration
- 33%
- top lender's share
Borrower mix: 73% went to startups / new businesses, 27% to established operators
Franchise vs independent — in home health care services, franchised businesses charge off at 7.5% vs 11.5% for independents — franchising is associated with 35% lower SBA default risk in this category.
Top lenders financing ameriCARE franchisees
Showing 3 of 7 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into ameriCARE's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 7 lenders with concentration factor
- Per-state charge-off rates across 6 states
- Startup risk premium and job creation velocity
- 7-year lending trend
Instant access. No subscription.
What could kill this investment?
The auditor flagged going-concern doubt (Item 21) — the single biggest risk here.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
AmeriCARE exhibits high-risk investment profile with aggressive unit decline (-20% YoY), undisclosed financials preventing ROI validation, and a top-heavy fee structure relative to an unproven 8-unit system.
Litigation (Item 3)
0 case reference(s): 0 pending, 0 settled.
Largest disclosed settlement: $1
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Kezos & Dunlavy⚠ Going-concern note flagged
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
Score breakdown · what drove the 31 / 100 verdict
- 01MEDSevere unit contraction: 20% YoY decline (8 units) indicates systemic failure or market rejection
- 02MINORNo financial disclosure (Item 19): Cannot validate average unit economics or ROI claims
- 03MINORHigh franchise fee ($189k) represents 79-78% of total investment—disproportionate upfront cost with unclear value
- 04MINORInsufficient unit base (8 units) to demonstrate proven, scalable business model
- 05MINOR10-year term locks franchisees into declining brand without exit flexibility
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 2.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2026 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | exclusive |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory population | 1,000,000 |
| Online sales rights | Restricted |
| Franchisor can compete | No |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 1 year |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 1 |
| Mandatory arbitration | Yes |
| Arbitration location | Georgia |
| Jury trial waiver | Yes |
| Governing law | GA |
| Litigation count | 0 |
View Item 3 litigation summary
0 case reference(s): 0 pending, 0 settled.
Items 10, 11
Training & Operations
- Classroom training
- 24 hrs
- On-the-job training
- 0 hrs
- Training location
- Atlanta, Georgia
- Time to open
- 4 mo
- From signing to launch
- Franchisor financing
- Not offered
- Item 10
- POS system
- WellSky Personal Care
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: WellSky Personal Care
Item 20 · call current owners
Franchisee Contacts
2 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
ameriCARE · FDD (2026) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a ameriCARE franchise?
The total investment to open a ameriCARE franchise ranges from $168K – $208K, with an initial franchise fee of $54K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do ameriCARE franchise owners earn?
ameriCARE does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Item 19 in the ameriCARE FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the ameriCARE FDD and qualifies whose outlets they describe.
What is ameriCARE's franchise failure rate?
Based on SBA 7(a) loan data, ameriCARE has a charge-off rate of 8.3% across 12 loans, meaning 8.3% 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 ameriCARE franchise locations are there?
As of their most recent FDD filing, ameriCARE has 8 total units in the United States, including 8 franchised units and 0 company-owned units. 1 new units were opened in the latest reporting year.
Is ameriCARE a good franchise to buy?
FranchiseVerdict rates ameriCARE as a D-grade franchise with a verdict score of 31 out of 100 (higher is better), 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.
For franchisors
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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.