One You Love Homecare Franchise Cost, Revenue & Review 2026
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. The 2026 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 0.0% charge-off rate across 14 loans[1]. 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
- $95K – $171K
- 46th pct Senior Care
- Avg gross sales
- N/A
- Outlet subset
- Royalty
- N/A
- Units
- 25
- 53rd 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 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 $95K – $171K including a $50K franchise fee.
- RETURNSTotal 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.
- RISKVerdict A (Strongest tier), verdict score 73/100 (higher is better). SBA loan charge-off rate of 0.0% across 14 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- 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 runs 49% 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 | $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
- Greater of 5% of Gross Sales or Minimum Royalty (starting…
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 6.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | Minimum biweekly royalty: months 1-12 $250, months 13-24 $500, months 25-36 $750, months 37-48 $1,125, months 49-60 $1,625, months 61+ $1,875 |
| 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
One You Love Homecare 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 One You Love Homecare unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
80%
Above the 30–60% band. Verify revenue is per-unit average
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
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.
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% — below the Senior Care average of 7.7%.
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 averages
How One You Love Homecare Compares
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
- 20.8%
- 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
3-year detail · Item 20
- Opened (3yr)
- 15
- Closed (3yr)
- 5
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 4
- Reacquired (3yr)
- 0
- Franchisor bought back
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
- 0.0%
- 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
- 5
- Defaults
- 0
- Typical loan rate
- 7.7%
- avg rate to borrowers
- Franchised industry avg
- 7.5%
- brand beats franchise avg ↓
- 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.
Premium insight
SBA Lending Report
Deep-dive into One You Love Homecare's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 8 states
- Startup risk premium and job creation velocity
- 6-year lending trend
Instant access. No subscription.
With a 0.0% charge-off rate across 14 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
Rapidly contracting franchise system with undisclosed financial metrics and unclear royalty structure presents meaningful risk despite absence of litigation.
Litigation (Item 3)
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)
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 73 / 100 verdict
- 01MEDUnit count declined 17.6% year-over-year (15 units) suggesting serious system contraction or franchisee struggles
- 02MEDNo Item 19 (Financial Performance Representations) disclosed despite strong average revenue figures ($5.27M) — prevents validation of typical unit economics
- 03MINORMinimum Royalty not specified in disclosure — creates uncertainty around guaranteed franchisor revenue and potential franchisee cash flow pressure
- 04MINORHigh initial investment ($95,400-$170,800) paired with declining unit base raises sustainability questions
- 05MINORHome 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 |
| 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?
One You Love Homecare 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 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?
Based on SBA 7(a) loan data, One You Love Homecare has a charge-off rate of 0.0% across 14 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 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 A-grade franchise with a verdict score of 73 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
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.