One You Love HomecareFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A One You Love Homecare franchise requires a total initial investment of $95K – $171K, including a $50K franchise fee. Per the 2025 FDD, average unit revenue was $5.3M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 14 loans[1]. Verdict grade: B. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $95K – $171K
- 17th pct Healthcare
- Avg gross sales
- $5.3M
- 46th pct Healthcare
- Royalty
- N/A
- Units
- 15
- 35th pct Healthcare
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Healthcare · color = vs category peers
Green = >15% above Healthcare avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Each dollar invested generates 39.6x in gross revenue, well above the typical 1.5-2.5x range.
Only 0.0% of 14 SBA loans charged off, well below the 16% franchise average.
The system contracted 18% year-over-year. Investigate why units are closing.
Bottom line
- Total investment $95K – $171K including a $50K franchise fee.
- Average unit revenue of $5.3M/year. Estimated payback in 0.1 years (based on P&L Bottom Line).
- Verdict B (Above Average) with a risk score of 62/100. SBA loan charge-off rate of 0.0% across 14 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- One You Love Homecare Franchising, LLC
- Incorporated in
- PA
- HQ
- 1620 W. Oregon Avenue, Philadelphia, PA 19145
- Auditor
- A&G LLP
- Audited financials
- Franchisor revenue
- $934K
- vs $423K prior year
Overview
About
Franchisees operate home care agencies providing non-medical personal care, companionship, and assistance with activities of daily living (ADL) for elderly, disabled, and post-recovery patients. Day-to-day operations involve scheduling and managing caregiver staff, client intake/care planning, quality assurance, billing/insurance coordination, and regulatory compliance with state home care licensing requirements.
- CEO
- David Giacobbo
- Headquarters
- PA
- Founded
- 2018
- FDD year
- 2025
- States available
- 8
FDD Item 7 · 2025 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 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
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
$948K
18.0% margin
Unlevered ROIC
560%
EBITDA / total invested capital
Payback
2 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $95K – $171K
- Better than avg vs category
- Liquid capital req'd
- $23K – $50K
- Better than avg vs category
- Franchise fee
- $50K – $60K
- Better than avg vs category
- Royalty
- the greater of (i) Five percent (5%) of Gross Sales, or (…
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 6.0%
- vs 9–13% typical
- Payback period
- 0.1 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $150 |
| Transfer fee | $10K |
| Renewal fee | $13K |
| 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.
Financial Performance
- Avg gross sales
- $5.3M
- Per unit, per year
- Median gross sales
- N/A
- Avg p&l bottom line
- $1.4M
- Reported as P&L Bottom Line in FDD Item 19
- Item 19 type
- Affiliate and Franchised
- Sample size
- 10 units
- vs category median 12
- Range (low → high)
- $156K→$5.3M
- Cohort dispersion (min → max)
- Transparency
- 9 / 5
- vs category median 4 / 5 · above
Compared against 201 Healthcare brands
Revenue is 39.6x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Healthcare averages
How One You Love Homecare Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 15
- Opened
- 1
- Last reporting year
- Closed
- 4
- Turnover rate
- 26.7%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 93%
- vs corporate-owned
- Net growth (yr3)
- -17.6%
- Net unit change last year
- 3-yr CAGR
- +0.0%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 3
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 19 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.
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
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.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Rapidly contracting franchise system with undisclosed financial metrics and unclear royalty structure presents meaningful risk despite absence of litigation.
Audited financials (Item 21)
Yes · A&G LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 62 / 100 rating
- 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
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | Population |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Pennsylvania |
| Litigation count | 0 |
Items 10, 11
Training & Operations
- Classroom training
- 43 hrs
- On-the-job training
- 0 hrs
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
22 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
One You Love Homecare · FDD (2025) PDF
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?
According to Item 19 of the One You Love Homecare FDD, the average gross sales per unit is $5.3M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
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 15 total units in the United States, including 14 franchised units and 1 company-owned units. 1 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 risk score of 62 out of 100, 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?
If you represent One You Love Homecare, you can request corrections or provide updated information.
Claim this brandOther Healthcare franchises
Compare similar franchise opportunities in the Healthcare category
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.