One You Love Homecare Franchise Cost, Revenue & Review 2026
- Investment
- $95K – $171K
- Disclosed sales
- partial, no system average
- SBA charge-off
- Limited · 14 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
One You Love Homecare is a senior care franchise providing non-medical in-home care and companionship. Franchisees run local agencies, recruiting caregivers and managing scheduling, client care, and billing.
FranchiseVerdict summary · 2026
A One You Love Homecare franchise requires a total initial investment of $95K – $171K, including a $50K – $60K franchise fee and an ongoing 5.0% royalty[2]. The 2026 FDD on file does not yield a unit-revenue figure we can publish. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: 2026 filing · Data extracted: · Last cited check: · Staleness risk: low - the current year's filing
Evidence: partial✓ 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 scored4 of 5 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $95K – $171K
- 45th pct Senior Care
- Avg gross sales
- N/A
- Outlet subset
- Royalty
- 5.0%
- 5th pct Senior Care
- Units
- 25
- 50th 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 $95K – $171K including a $50K franchise fee, 5.0% ongoing royalty.
- RETURNSItem 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
- RISKVerdict B (Above average), verdict score 59/100 (higher is better).
- GROWTHNegative, pipeline stalled: 32 agreements signed but not yet open against 25 open outlets (Item 20).
- GROWTHSystem growing at 41.2% CAGR over 3 years with 25 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- One You Love Homecare Franchising, LLC
- CEO title
- CEO
- David Giacobbo
- Incorporated in
- PA
- HQ
- 1620 W. Oregon Avenue, Philadelphia, PA 19145
- Auditor
- A&G LLP
- Audited financials
- Franchisor revenue
- $919K
- vs $934K prior year
Overview
About
- CEO
- David Giacobbo
- Headquarters
- PA
- Founded
- 2018
- FDD year
- 2026
- States available
- 8
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 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $23K | $50K |
| Equipment, build-out, other | $23K | $71K |
| Total initial investment | $95K | $171K |
Source: One You Love Homecare 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
- $95K – $171K
- Middle of category vs category
- Liquid capital req'd
- $23K – $50K
- Middle of category vs category
- Franchise fee
- $50K – $60K
- Top 40% of category vs category
- Royalty
- 5.0%
- Set by a formula · 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 | $150 |
| Transfer fee | $10K |
| Renewal fee | $13K |
| Total fee load | 6.0% of rev |
What do units actually make?
Source: FDD 2026 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
No Item 19 revenue figure for One You Love Homecare is on file. The return models need a revenue figure to start from, and the operating costs that turn gross sales into a profit are in no FDD. Enter your own and the calculator runs on your assumptions — nothing here is modelled until you do.
Returns model · single-unit ROIC
What would one One You Love Homecare 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 annual revenue, 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.
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
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands. We omit it from rankings.
Item 19 · by group
What the filing does disclose
Item 19 of this FDD reports performance in more than one group. We publish no single average for this brand; the groups the filing does disclose are listed below, quoted from its own Item 19 table.
Each row below is quoted from the FDD's own Item 19 table. Gross sales are not profit.
Outlet subsetItem 19 detail
affiliate
| Segment | Sample | Avg |
|---|---|---|
| Affiliate-Owned Location 2021 | 1 | $3.3M |
| Affiliate-Owned Location 2022 | 1 | $3.3M |
| Affiliate-Owned Location 2023 | 1 | $4.5M |
| Affiliate-Owned Location 2024 | 1 | $5.3M |
| Affiliate-Owned Location 2025 | 1 | $4.7M |
franchised full time
| Segment | Sample | Avg |
|---|---|---|
| Full-Time Franchised Locations 2025 | 6 | — |
franchised part time
| Segment | Sample | Avg |
|---|---|---|
| Part-Time Franchised Locations 2025 | 3 | — |
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 6.0% (near the Senior Care median).
Disclosure
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
Operator retention
System expanding at 41.2% CAGR over 3 years across 25 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 One You Love Homecare 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
- 25
- Opened
- 11
- Last reporting year
- Closed
- 1
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 4.0%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 96%
- vs corporate-owned
- Net growth (3-yr)
- +41.2%
- Net unit change over 3 years
- 3-yr CAGR
- +41.2%
- 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
- 32
- 1.28 per open outlet · Item 20 Table 5
- Projected new
- 25
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 8 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.
8
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.
- Total loans
- 14
- Loan volume
- $2.0M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- Limited · 14 loans
- Limited SBA coverage: 14 loans, rate hidden until 10 have resolved and loans reach 2% of franchised units
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Limited · 14 loans
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 5
- Defaults
- 0
- Typical loan rate
- 7.7%
- avg rate to borrowers
- Franchised industry avg
- 7.5%
- n=1,624 loans
- Jobs supported
- 114
- 7.6 per loan
- Lender concentration
- 64%
- top lender's share
Borrower mix: 91% went to startups / new businesses, 9% 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 One You Love Homecare franchisees
Showing 3 of 5 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 One You Love Homecare from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 85%
- Avg interest rate
- 7.73%
- Lender concentration
- 63.6%
- Job velocity
- 7.6 per $100K
- NAICS benchmark
- 5.7%
- NAICS 621610
- Jobs supported
- 114
Top SBA lendersTop lender holds 64% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 7 | $1.0M | 0.0% |
| 2 | Magnifi Financial CU | 1 | $98K | N/A |
| 3 | The Huntington National Bank | 1 | $100K | N/A |
| 4 | Readycap Lending, LLC | 1 | $129K | N/A |
| 5 | Dogwood State Bank | 1 | $150K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| TXTexas | 3 | 0 | -- |
| FLFlorida | 2 | 0 | -- |
| COColorado | 1 | 0 | 0.0% |
| NCNorth Carolina | 1 | 0 | 0.0% |
| OHOhio | 1 | 0 | -- |
| TNTennessee | 1 | 0 | -- |
| UTUtah | 1 | 0 | -- |
| WVWest Virginia | 1 | 0 | -- |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
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
Rapidly contracting franchise system with undisclosed financial metrics and unclear royalty structure presents meaningful risk despite absence of litigation.
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
No litigation required to be disclosed in Item 3.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · A&G LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Total revenues FY2025 $919,406 comprises franchise fee revenue $180,838, royalty revenue $515,678, brand development fund revenue $101,186, technology fee revenue $44,088, and other revenue $77,616. Audited balance sheets as of December 31, 2025 and 2024; auditor at agllp-cpa.com (Dallas/Richardson, TX), report dated April 3, 2026.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
Score breakdown · what drove the 59 / 100 verdict
- 01MEDUnit count declined 17.6% year-over-year (15 units) suggesting serious system contraction or franchisee struggles
- 02MINORMinimum Royalty not specified in disclosure — creates uncertainty around guaranteed franchisor revenue and potential franchisee cash flow pressure
- 03MINORHigh initial investment ($95,400-$170,800) paired with declining unit base raises sustainability questions
- 04MINORHome care is labor-intensive, margin-sensitive business vulnerable to wage inflation and caregiver turnover — not addressed in available data
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 territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 50,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| 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 | 15 days |
| Mandatory arbitration | Yes |
| Arbitration location | Philadelphia, Pennsylvania |
| Jury trial waiver | Yes |
| Governing law | PA |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 55 hrs
- On-the-job training
- 0 hrs
- Training location
- Franchisor headquarters in Philadelphia, PA, franchisee's approved location, or other designated location (including remote)
- Ongoing training
- Required
- Time to open
- 5 mo
- From signing to launch
- Site selection
- franchisor_approved
- Franchisor financing
- Not offered
- Item 10
Items 5 & 11
Franchisor Support
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a One You Love Homecare franchise?
The total investment to open a One You Love Homecare franchise ranges from $95K – $171K, 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 One You Love Homecare franchise owners earn?
Item 19 of the One You Love Homecare FDD discloses figures for part of the system but no single average across all outlets. These are gross sales figures, not profit; the Revenue section shows what the filing reports and on what basis. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns One You Love Homecare?
One You Love Homecare is franchised by One You Love Homecare Franchising, LLC. Source: FDD Item 1, 2026 filing.
What is Item 19 in the One You Love Homecare 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 One You Love Homecare FDD and qualifies whose outlets they describe.
What is One You Love Homecare's franchise failure rate?
SBA 7(a) loan charge-off data is not available for One You Love Homecare (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 One You Love Homecare franchise locations are there?
As of their most recent FDD filing, One You Love Homecare has 25 total units in the United States, including 24 franchised units and 1 company-owned units. 11 new units were opened in the latest reporting year.
Is One You Love Homecare a good franchise to buy?
FranchiseVerdict rates One You Love Homecare as a B-grade franchise with a verdict score of 59 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.