Home Helpers Home Care Franchise Cost, Revenue & Review 2026
- Investment
- $113K – $162K
- Disclosed sales
- $1.7M
- gross sales, not profit
- SBA charge-off
- 0.0%
- on 39 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Home Helpers Home Care is an in-home care franchise providing non-medical personal care and companionship to seniors and recovering patients. Franchisees run an agency recruiting and scheduling caregivers and managing client care and billing in a protected territory.
FranchiseVerdict summary · 2026
A Home Helpers Home Care franchise requires a total initial investment of $113K – $162K, including a $50K franchise fee and an ongoing 6.0% royalty[2]. Per the 2024 FDD, average unit revenue was $1.7M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 39 loans[1]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: 2024 filing · Data extracted: · Last cited check: · Staleness risk: high - figures are from a filing two or more years old
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored7 of 7 headline figures on this page cite a page of the filing.
Overview
- Investment
- $113K – $162K
- 62nd pct Senior Care
- Avg gross sales
- $1.7M
- 32nd pct Senior Care
- Royalty
- 6.0%
- 54th pct Senior Care
- Units
- 316
- 91st pct Senior Care
- SBA charge-off
- 0.0%
- % 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 median · 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 $113K – $162K including a $50K franchise fee, 6.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.7M/year (median $1.1M).
- RISKVerdict A (Strongest tier), verdict score 90/100 (higher is better). SBA loan charge-off rate of 0.0% across 39 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +12 franchised outlets in the latest year (31 opened, 19 closed); 18 signed but not yet open (Item 20).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- H.H. Franchising Systems, Inc.
- Parent company
- Home Helpers Holding Company
- FDD Item 1, page 9 of the 2024 FDD
- Ultimate parent
- RiverGlade Capital, LLC
- FDD Item 1, page 9 of the 2024 FDD
- CEO title
- Chief Executive Officer, President, Director
- Emma R. Dickison
- Incorporated in
- OH
- HQ
- 10101 Alliance Road, Suite 300, Blue Ash, Ohio 45242
- Auditor
- Cohen & Co
- Audited financials
- Franchisor revenue
- $16.4M
- vs $15.5M prior year
Affiliated brands
- whose pr
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Emma R. Dickison
- Headquarters
- OH
- Founded
- 1997
- FDD year
- 2024
- States available
- 39
Can you afford it, and what does the money buy?
Entry cost is about typical for a senior care franchise (near the category median).
Source: FDD 2024 · Items 5–7
FDD Item 7 · 2024 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $43K | $65K |
| Equipment, build-out, other | $20K | $47K |
| Total initial investment | $113K | $162K |
Source: Home Helpers Home Care 2024 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
- $113K – $162K
- Middle of category vs category
- Liquid capital req'd
- $43K – $65K
- Bottom third — review vs category
- Franchise fee
- $50K – $50K
- Middle of category vs category
- Royalty
- 6.0%
- Tiered by sales volume · typical 6–8%
- Ad fund
- 2% down to ½% of Gross Revenues
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Technology fee | $750 |
| Transfer fee | $10K |
| Renewal fee | $10K |
| Inventory (initial) | $2K – $3K |
| Total fee load | 8.0% of rev |
What do units actually make?
Average unit sales run 62% above the senior care norm.
Source: FDD 2024 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for Home Helpers Home Care until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$191K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
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, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one Home Helpers Home Care unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
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%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
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: 2024 FDD
Financial Performance
- Avg gross sales
- $1.7M
- Per unit, per year
- Median gross sales
- $1.1M
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 revenue
- Sample size
- 146 outlets
- vs category median 22 · large
- Range (low → high)
- $25K→$25.2MCited, not corroborated — printed on page 47 of the 2024 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Reporting year
- 2023
- Fiscal year the figures cover
- Source filing
- FDD 2024
- Disclosed in the 2024 filing, covering 2023
- Transparency
- 4 / 10
- vs category median 4 / 10 · typical
Compared against 79 Senior Care brands
Revenue is 12.5x 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 $1.7M/year in gross sales. Median is $1.1M — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 12.5x.
Fee burden
Total ongoing fee load of 8.0% (near the Senior Care median).
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System roughly stable (+2.6% 3-year CAGR) with 316 units.
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 medians
How Home Helpers Home Care Compares
Category median of published Senior Care brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2024 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 316
- Opened
- 31
- Last reporting year
- Closed
- 19
- Terminated
- 5
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 3
- Term expired, not renewed (per Item 20)
- Turnover rate
- 6.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- +2.6%
- Net unit change over 3 years
- 3-yr CAGR
- +2.6%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 5
- Not renewed
- 3
- Transferred
- 20
- Reacquired
- 10
- Franchisor bought back
- Signed, not yet open
- 18
- 0.06 per open outlet · Item 20 Table 5
- Projected new
- 23
- Franchisor's next-year forecast
- Termination rate
- 2.6%
- 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 12 · 39 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.
39
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
- 39
- Loan volume
- $13.8M
- Median loan
- $215K
- 50th percentile
- Charge-off rate
- 0.0%
- on 39 loans · 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)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 20
- Defaults
- 0
- Typical loan rate
- 8.3%
- avg rate to borrowers
- Franchised industry avg
- 7.5%
- brand beats franchise avg ↓
- Jobs supported
- 1,499
- 10.9 per loan
- Lender concentration
- 15%
- top lender's share
Borrower mix: 47% went to startups / new businesses, 53% 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.
Vintage analysis
Home Helpers Home Care charge-off rate by loan vintage
Top lenders financing Home Helpers Home Care franchisees
Showing 3 of 20 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Home Helpers Home Care from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 73%
- Avg interest rate
- 8.25%
- Lender concentration
- 15.4%
- Job velocity
- 10.9 per $100K
- Startup risk premium
- 0.0pp
- NAICS benchmark
- 5.7%
- NAICS 621610
- Jobs supported
- 1,499
Top SBA lendersTop lender holds 15% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 6 | $2.6M | 0.0% |
| 2 | Stearns Bank National Association | 4 | $458K | 0.0% |
| 3 | United Midwest Savings Bank National Association | 4 | $575K | 0.0% |
| 4 | Simmons Bank | 3 | $912K | 0.0% |
| 5 | Byline Bank | 2 | $1.4M | N/A |
| 6 | SouthState Bank, National Association | 2 | $529K | N/A |
| 7 | Magnifi Financial CU | 2 | $222K | N/A |
| 8 | The Huntington National Bank | 2 | $368K | N/A |
| 9 | Manufacturers and Traders Trust Company | 2 | $100K | N/A |
| 10 | First Financial Bank | 2 | $566K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| FLFlorida | 5 | 0 | 0.0% |
| ILIllinois | 5 | 0 | 0.0% |
| TXTexas | 5 | 0 | 0.0% |
| CACalifornia | 4 | 0 | 0.0% |
| ARArkansas | 3 | 0 | 0.0% |
| IDIdaho | 3 | 0 | 0.0% |
| OHOhio | 3 | 0 | 0.0% |
| MDMaryland | 2 | 0 | -- |
| NCNorth Carolina | 2 | 0 | -- |
| VAVirginia | 2 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
With a 0.0% charge-off rate across 39 loans, banks have historically viewed this brand favorably for lending.
What could kill this investment?
SBA loans charge off at 0.0% — 100% below the 16.0% national norm, i.e. lower lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Home Helpers presents meaningful caution due to undisclosed profitability metrics, active litigation, slow growth, and lack of transparent Item 19 data in a competitive home care market.
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
1 royalty collection suit (HHFS as plaintiff against franchisee Helpful Hearts LLC/Clarina McLearn, 2023); 1 pending tortious interference suit (MultiServices Yorktown LLC vs. HHFS and others, 2021, HHFS as defendant)
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Cohen & Co
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Audited consolidated financials of parent Home Helpers Holdings, Inc. and Subsidiaries (restated). No separate audit report for the franchisor H.H. Franchising Systems, Inc. FY ended Dec 31, 2023.
ⓘ These are the parent company's consolidated financials (the parent guarantees the franchisor), not this brand's standalone results — the figure reflects the whole corporate group, not this brand alone.
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
Score breakdown · what drove the 90 / 100 verdict
- 01HIGHActive litigation: royalty collection suit indicates franchisor enforcement issues; tortious interference case suggests franchisor disputes with franchisees or partners
- 02MINORSlow system growth of only 3.9% YoY with 316 units suggests market saturation or franchisee struggles in home care sector
- 03MINORRoyalty structure (6% down to 4%) on thin-margin home care operations may be unsustainable for franchisees with <30% net margins
- 04MEDHigh initial investment ($113K-$162K) relative to disclosed revenue lacks corresponding profitability transparency
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2024 · 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 | Exclusive territory |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory radius | 1 mi |
| Territory population | 250,000 |
| 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 | 25 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Hamilton County, Ohio |
| Jury trial waiver | Yes |
| Governing law | OH |
| Litigation count | 2 |
View Item 3 litigation summary
1 royalty collection suit (HHFS as plaintiff against franchisee Helpful Hearts LLC/Clarina McLearn, 2023); 1 pending tortious interference suit (MultiServices Yorktown LLC vs. HHFS and others, 2021, HHFS as defendant)
Items 10, 11
Training & Operations
- Classroom training
- 35 hrs
- On-the-job training
- 0 hrs
- Training location
- Blue Ash, Ohio (classroom); Online/home (preliminary training)
- Ongoing training
- Required
- Time to open
- 3 mo
- From signing to launch
- Site selection
- franchisee with franchisor approval
- Franchisor financing
- Not offered
- Item 10
- POS system
- WellSky
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: WellSky
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Home Helpers Home Care franchise?
The total investment to open a Home Helpers Home Care franchise ranges from $113K – $162K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Home Helpers Home Care franchise owners earn?
According to Item 19 of the Home Helpers Home Care FDD, the average gross sales per unit is $1.7M. The median is $1.1M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Home Helpers Home Care?
Home Helpers Home Care is franchised by H.H. Franchising Systems, Inc.. Its parent company is Home Helpers Holding Company. The ultimate parent named in the FDD is RiverGlade Capital, LLC. Source: FDD Item 1, 2024 filing.
What is Item 19 in the Home Helpers Home Care 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 Home Helpers Home Care FDD and qualifies whose outlets they describe.
What is Home Helpers Home Care's franchise failure rate?
Based on SBA 7(a) loan data, Home Helpers Home Care has a charge-off rate of 0.0% across 39 loans, meaning 0.0% 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 Home Helpers Home Care franchise locations are there?
As of their most recent FDD filing, Home Helpers Home Care has 316 total units in the United States, including 316 franchised units and 0 company-owned units. 31 new units were opened in the latest reporting year.
Is Home Helpers Home Care a good franchise to buy?
FranchiseVerdict rates Home Helpers Home Care as a A-grade franchise with a verdict score of 90 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. 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.