In Home Personal Services Franchise Cost, Revenue & Review 2026
- Investment
- $36K – $106K
- Disclosed sales
- $563K
- gross sales, not profit
- SBA charge-off
- Not SBA-matched
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
In Home Personal Services is a senior care franchise providing non-medical in-home care, companionship, and daily-living assistance. Franchisees run local agencies, recruiting caregivers and managing client care.
FranchiseVerdict summary · 2026
A In Home Personal Services franchise requires a total initial investment of $36K – $106K, including a $8K – $55K franchise fee and an ongoing 6.0% royalty[2]. Per the 2026 FDD, average unit revenue was $563K[2]. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
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 scored5 of 7 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $36K – $106K
- 3rd pct Senior Care
- Avg gross sales
- $563K
- 6th pct Senior Care
- Royalty
- 6.0%
- 54th pct Senior Care
- Units
- 14
- 40th pct Senior Care
- SBA charge-off
- N/A
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 $36K – $106K including a $8K franchise fee, 6.0% ongoing royalty.
- RETURNSAverage unit revenue of $563K/year (median $345K).
- RISKVerdict B (Above average), verdict score 64/100 (higher is better).
- GROWTHPositive: net +1 franchised outlets in the latest year (1 opened, 0 closed); 2 signed but not yet open (Item 20).
- FLAGItem 4 discloses a bankruptcy of an officer or of a company an officer ran, not of the franchisor. Review Item 4 for details.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- In Home Personal Services Development, L.L.C.
- CEO title
- President
- Michael Collura
- Incorporated in
- Illinois
- HQ
- 813 Tek Drive, Crystal Lake, IL 60114
- Auditor
- Porte Brown LLC
- Audited financials
- Franchisor revenue
- $146K
- vs $106K prior year
Overview
About
- CEO
- Michael Collura
- Headquarters
- Illinois
- Founded
- 2009
- FDD year
- 2026
- States available
- 6
Can you afford it, and what does the money buy?
Entry cost runs 48% below the typical senior care franchise.
Source: FDD 2026 · Items 5–7
Full Item 7 breakdown16 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $8K | $55K | |
| First Month Rent for Office | $0 | $2K | |
| Deposits | $0 | $1K | |
| Leasehold Improvements | $0 | $2K | |
| Office Equipment and Supplies- including Computer System | $3K | $4K | |
| Furniture and Fixtures | $0 | $1K | |
| Pre-Opening Marketing | $3K | $4K | |
| Initial Inventory- Supplies & Marketing Materials | $1K | $2K | |
| Signage | $0 | $1K | |
| Vehicle | $0 | $2K | |
| Business Licenses and Permits | $2K | $2K | |
| Membership Dues | $0 | $500 | |
| Insurance | $2K | $3K | |
| Initial Training Program Expenses | $2K | $2K | |
| Professional Fees | $2K | $4K | |
| Additional Funds | $15K | $20K | |
| Total initial investment | $36K | $106K |
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.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $36K – $106K
- Top 40% of category vs category
- Liquid capital req'd
- $15K – $20K
- Top 40% of category vs category
- Franchise fee
- $8K – $55K
- Top 40% of category vs category
- Royalty
- 6.0%
- Set by a formula · typical 6–8%
- Ad fund
- 0.0%
- typical 3–5%
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 0.0% |
| Transfer fee | $15K |
| Renewal fee | $15K |
| Inventory (initial) | $1K – $2K |
| Total fee load | 7.0% of rev |
What do units actually make?
Average unit sales run 47% below the senior care norm.
Source: FDD 2026 · 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 In Home Personal Services 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 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
$88K
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 In Home Personal Services 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 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 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: 2026 FDD
Financial Performance
- Avg gross sales
- $563K
- Per unit/yr · from the Item 19 franchised-cohort breakdown (no single system-wide average disclosed)
- Median gross sales
- $345K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- historical gross sales table
- Sample size
- 7 outlets
- vs category median 22 · small
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
Compared against 79 Senior Care brands
Revenue is 7.9x 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 $563K/year in gross sales. Median is $345K — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 7.9x.
Fee burden
Total ongoing fee load of 7.0% (near the Senior Care median).
Disclosure
Transparency score 0/10 — minimal disclosure beyond the required average. Hard to judge the distribution of outcomes across units.
Operator retention
System expanding at 11.1% CAGR over 3 years across 14 units — operators are staying and new ones are joining.
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 In Home Personal Services 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 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 14
- Opened
- 1
- 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
- N/A
- Company-owned
- 4
- Corporate units in the system
- % franchised
- 71%
- vs corporate-owned
- Net growth (3-yr)
- +11.1%
- Net unit change over 3 years
- 3-yr CAGR
- +11.1%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 0
- Transferred
- 0
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 2
- 0.14 per open outlet · Item 20 Table 5
- Projected new
- 3
- 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 20 · 3 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.
Where the owners are · Item 20 owner list
5 current owners across 3 states.
- IL 3
- FL 1
- NC 1
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
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
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
No litigation disclosed in Item 3.
Bankruptcy (Item 4)
Subject: an officer. An officer’s own bankruptcy or a company an officer ran, not the franchisor’s
Affiliate IHPS filed Chapter 11 reorganization petition June 15, 2024 (N.D. Illinois, No. 24-08842); voluntarily dismissed February 10, 2026. President Michael Collura filed Chapter 7 petition October 18, 2024 (N.D. Illinois, No. 24-15617); discharged January 21, 2025.
Audited financials (Item 21)
Yes · Porte Brown LLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: Yes
Score breakdown · what drove the 64 / 100 verdict
- 01HIGHActive litigation against affiliate involving $38k+ advance and equipment breach — suggests operational/financial instability at corporate level
- 02MINOROnly 16 total units despite 71.4% YoY growth claim — statistically insignificant growth (likely ~9 units added); potential cherry-picked growth metric
- 03MEDService-based model with no disclosed benchmarks for labor costs, customer acquisition spend, or recurring revenue sustainability
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 7.0% 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 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 1 year |
| Non-compete (miles)ℹ | 100 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 15 days |
| Mandatory arbitration | Yes |
| Arbitration location | Chicago, Illinois metropolitan area |
| Jury trial waiver | No |
| Governing law | Illinois |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 136 hrs
- On-the-job training
- 80 hrs
- Training location
- Franchisor's headquarters in Crystal Lake, Illinois (and virtual sessions)
- Ongoing training
- Required
- Site selection
- franchisee (with company approval)
- Franchisor financing
- Offered
- Item 10
- POS system
- Clear Care
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Clear Care
Item 20 · call current owners
Franchisee Contacts
5 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a In Home Personal Services franchise?
The total investment to open a In Home Personal Services franchise ranges from $36K – $106K, with an initial franchise fee of $8K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do In Home Personal Services franchise owners earn?
According to Item 19 of the In Home Personal Services FDD, the average gross sales per unit is $563K. The median is $345K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns In Home Personal Services?
In Home Personal Services is franchised by In Home Personal Services Development, L.L.C.. Source: FDD Item 1, 2026 filing.
What is Item 19 in the In Home Personal Services 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 In Home Personal Services FDD and qualifies whose outlets they describe.
What is In Home Personal Services's franchise failure rate?
SBA 7(a) loan charge-off data is not available for In Home Personal Services (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 In Home Personal Services franchise locations are there?
As of their most recent FDD filing, In Home Personal Services has 14 total units in the United States, including 10 franchised units and 4 company-owned units. 1 new units were opened in the latest reporting year.
Is In Home Personal Services a good franchise to buy?
FranchiseVerdict rates In Home Personal Services as a B-grade franchise with a verdict score of 64 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
Are you the franchisor?
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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.