Care With Love Franchise Cost, Revenue & Review 2026
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
Care With Love is a home care franchise providing compassionate in-home care and support services for seniors and clients. Franchisees run local agencies, recruiting caregivers and managing scheduling and client care.
FranchiseVerdict summary · 2026
A CARE WITH LOVE franchise requires a total initial investment of $136K – $207K, including a $49K franchise fee and an ongoing 5.0% royalty[2]. Per the 2026 FDD, average unit revenue was $3.4M[2]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2026 FDD issuance
Overview
- Investment
- $136K – $207K
- 26th pct Healthcare
- Avg gross sales
- $3.4M
- Incl. company outlets1 outlet27th pct Healthcare
- Royalty
- 5.0%
- 4th pct Healthcare
- Units
- 5
- 20th pct Healthcare
- SBA charge-off
- N/A
Quick verdict · Healthcare · color = vs category peers
Green = favorable by >10% vs Healthcare 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 $136K – $207K including a $49K franchise fee, 5.0% ongoing royalty.
- RETURNSAverage unit revenue of $3.4M/year (median $3.1M) (includes company-owned outlets).
- RISKVerdict A (Strongest tier), verdict score 65/100 (higher is better).
- FLAGRevenue data based on only 1 outlet. Treat as directional, not definitive. Ask franchisees directly for current unit economics.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- CARE WITH LOVE ELITE, LLC
- Parent company
- CARE WITH LOVE ALL CARE, LLC
- Predecessor
- Renaissance EXECUTIVE FORUMS
- Prior franchisor entity
- CEO title
- Co-President
- Nefr Israel Michaels
- CEO experience
- 2021 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- VA
- HQ
- 10505 Braddock Rd Suite 4A, Fairfax, VA 22032
- Auditor
- Metwally CPA PLLC
- Audited financials
- Franchisor revenue
- $107K
- vs $72K prior year
Overview
About
- CEO
- Nefr Israel Michaels
- Headquarters
- VA
- Founded
- 2021
- FDD year
- 2026
- States available
- 2
Can you afford it, and what does the money buy?
Entry cost runs 59% below the typical healthcare franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $49K | $49K |
| Working capital (3–6 mo) | $62K | $99K |
| Equipment, build-out, other | $24K | $59K |
| Total initial investment | $136K | $207K |
Source: CARE WITH LOVE 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
- $136K – $207K
- Top 40% of category vs category
- Liquid capital req'd
- $62K – $99K
- Bottom third — review vs category
- Franchise fee
- $49K – $49K
- Top 40% of category vs category
- Royalty
- 5.0%
- percentage · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 6.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 5.0% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $1K |
| Transfer fee | $25K |
| Renewal fee | $25K |
| Inventory (initial) | $500 – $4K |
| Total fee load | 6.0% of rev |
A 6.0% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
What do units actually make?
Average unit sales run 141% above the healthcare norm.
Includes company-owned outlets
Based on a single outlet - not a system average
Source: FDD 2026 · Item 19
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
$643K
19.0% margin
Unlevered ROIC
255%
EBITDA / total invested capital
Payback
5 mo
cash-on-cash, unlevered
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit. The target band for an attractive franchise is 30–60% ROIC. Below that and a passive index fund likely outperforms; above that and the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses. It's the top line only. Operating costs below are category estimates. Override them to match your real lease quote, labor market, and build-out budget.
Returns model · single-unit ROIC
What would one CARE WITH LOVE unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
255%
Above the 30–60% band. Verify revenue is per-unit average
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Levered LBO scenario · Yale Crease Capital framing
What would 25 CARE WITH LOVE units return on equity?
Equity IRR · 5-yr
24.2%
2.95× MOIC
Year-1 DSCR
3.55×
EBITDA ÷ debt service
Equity required
$23.4M
on $40.6M purchase
Total debt
$17.2M
SBA $5.0M + senior + seller note
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
Includes company-owned outlets
Based on a single outlet - not a system average
- Avg gross sales
- $3.4M
- Per unit, per year
- Median gross sales
- $3.1M
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- gross revenues
- Sample size
- 1 outlet
- vs category median 20 · small
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 4 / 10
- vs category median 3 / 10 · above
Compared against 162 Healthcare brands
Revenue is 19.8x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $3.4M/year in gross sales. Revenue-to-investment ratio: 19.8x. Includes company-owned outlets.
Fee burden
Total ongoing fee load of 6.0% — below the Healthcare average of 8.8%.
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence. Sample size of 1 outlet — treat as directional only.
Operator retention
Net unit growth of +100.0% over 3 years (0 opened, 0 closed).
Multi-unit rate
Only 25% of franchisees own multiple units. Could indicate challenging economics or a young system where operators haven't had time to expand.
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 Healthcare averages
How Care With Love Compares
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 5
- Opened
- 0
- Last reporting year
- Closed
- 0
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.0%
- Company-owned
- 3
- Corporate units in the system
- % franchised
- 40%
- vs corporate-owned
- Multi-unit owners
- 25.0%
- Net growth (3-yr)
- +100.0%
- Net unit change over 3 years
- 3-yr CAGR
- +0.0%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 2
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
- Projected new
- 1
- Franchisor's next-year forecast
- Continuity rate
- 100.0%
- Units that stayed open
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 2 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.
2
states with franchisees (per FDD Item 12)
Fast growth in a small system. Newer franchisors expanding quickly may not yet have the support infrastructure of larger systems.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Micro-franchise system with going concern issues, unverified profitability claims, and insufficient franchisor capitalization present material investment risk.
Litigation (Item 3)
No litigation required to be disclosed.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Metwally CPA PLLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 65 / 100 verdict
- 01HIGHGoing Concern status is FALSE — indicates potential financial distress or instability at franchisor level
- 02MEDOnly 5 units system-wide suggests extremely limited track record and market validation
- 03MEDNet income not disclosed in Item 19 — impossible to validate actual franchisee profitability despite $3.4M avg revenue claim
- 04MEDNo disclosed unit growth trajectory — stagnant 5-unit system raises sustainability questions
- 05MINORHigh initial investment ($135k-$207k) relative to system size increases risk concentration
- 06HIGH5% royalty on claimed $3.4M revenue = $169k annual royalties — may be insufficient to sustain franchisor operations given going concern status
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 6.0% 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 | 1 |
| Territory type | protected |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 300,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 45 days |
| Transfer requires consent | Yes |
| Termination notice | 15 days |
| Mandatory arbitration | Yes |
| Arbitration location | Fairfax, Virginia |
| Jury trial waiver | No |
| Governing law | VA |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed.
Items 10, 11
Training & Operations
- Classroom training
- 24 hrs
- On-the-job training
- 54 hrs
- Training location
- Fairfax, VA (some virtual)
- Ongoing training
- Required
- Field support
- 54 hrs/yr
- On-site visits per year
- Time to open
- 1 mo
- From signing to launch
- Site selection
- Franchisee selects; franchisor must approve
- Franchisor financing
- Not offered
- Item 10
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
3 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
CARE WITH LOVE · FDD (2026) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a CARE WITH LOVE franchise?
The total investment to open a CARE WITH LOVE franchise ranges from $136K – $207K, with an initial franchise fee of $49K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do CARE WITH LOVE franchise owners earn?
According to Item 19 of the CARE WITH LOVE FDD, the average gross sales per unit is $3.4M. The median is $3.1M. Important context: Includes company-owned outlets; Based on a single outlet - not a system average. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Item 19 in the CARE WITH LOVE 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 CARE WITH LOVE FDD and qualifies whose outlets they describe.
What is CARE WITH LOVE's franchise failure rate?
SBA 7(a) loan charge-off data is not available for CARE WITH LOVE (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many CARE WITH LOVE franchise locations are there?
As of their most recent FDD filing, CARE WITH LOVE has 5 total units in the United States, including 2 franchised units and 3 company-owned units.
Is CARE WITH LOVE a good franchise to buy?
FranchiseVerdict rates CARE WITH LOVE as a A-grade franchise with a verdict score of 65 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.