American Family Careafc Urgen vs Liquivida
American Family Careafc Urgen vs Liquivida: American Family Careafc Urgen costs $149K to $1.9M to open; Liquivida costs $98K to $1.0M. American Family Careafc Urgen has 85 units, Liquivida has 14. SBA loan history: American Family Careafc Urgen = 120 loans (0.0% default); Liquivida = 15 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
American Family Careafc Urgen vs Liquivida: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Liquivida requires the lower minimum capital commitment ($98K vs $149K for American Family Careafc Urgen), a 53% spread. Initial franchise fees come in at $50K for American Family Careafc Urgen versus $40K for Liquivida, Liquivida has the lower entry fee. Ongoing royalty load is 6% for American Family Careafc Urgen and 6% for Liquivida, equal royalty drag.
System Scale & Tenure
On scale, American Family Careafc Urgen operates 85 units to Liquivida's 14, roughly 6× the system size. American Family Careafc Urgen has been operating 44 years (founded 1982) versus 6 for Liquivida (founded 2020), a 38-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
American Family Careafc Urgen has the deeper SBA lending track record, with 120 7(a) approvals compared with 15 for Liquivida. American Family Careafc Urgen's peak SBA year was 2021 (23 loans); Liquivida's peak was 2025 (5 loans). Liquivida's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in NJ. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded American Family Careafc Urgen deals is $1.2M vs $541K for Liquivida, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for American Family Careafc Urgen and 0.0% for Liquivida. PeerSense FPI scores come in at 69 (Strong) for American Family Careafc Urgen and 68 (Strong) for Liquivida, giving American Family Careafc Urgen the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 69/100 | 68/100 |
Health Tier | Strong | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 120 | 15 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | major | growing |
Investment & Costs
Total Investment | $149K to $1.9M | $98K to $1.0M |
Franchise Fee | $50K | $40K |
Royalty Rate | 6% | 6% |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 85 | 14 |
Franchised Units | 85 | 11 |
Company Owned | – | 3 |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1982 | 2020 |
Franchising Since | 1960 | 2020 |
Years Franchising | 66 yrs | 6 yrs |
Headquarters | HALEDON, NJ | FL |
Category | Offices of Physicians | Offices of Physicians |
Website | ||
FDD Year | 2023 | 2025 |
Which Is Better, American Family Careafc Urgen or Liquivida?
Lower upfront capital required
Liquivida
American Family Careafc Urgen: $149K starting · Liquivida: $98K starting
More SBA lender confidence
American Family Careafc Urgen
American Family Careafc Urgen: 120 SBA loans · Liquivida: 15 SBA loans
Lower SBA default rate
Tie
American Family Careafc Urgen: 0.0% · Liquivida: 0.0%
Larger system & brand presence
American Family Careafc Urgen
American Family Careafc Urgen: 85 units · Liquivida: 14 units
Lower ongoing royalty load
Tie
American Family Careafc Urgen: 6% · Liquivida: 6%
More lender financing options
American Family Careafc Urgen
American Family Careafc Urgen: 29 unique lenders · Liquivida: 7 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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American Family Careafc Urgen vs Liquivida: Franchise Funding Comparison
Comparing American Family Careafc Urgen and Liquivida is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $98K to $1.9M.
American Family Careafc Urgen has 120 SBA loans on record and Liquivida has 15. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
American Family Careafc Urgen vs Liquivida, Frequently Asked Questions
Which is a better franchise investment, American Family Careafc Urgen or Liquivida?
How much does a American Family Careafc Urgen franchise cost compared to Liquivida?
Can I finance American Family Careafc Urgen or Liquivida with an SBA loan?
Which has a lower SBA default rate, American Family Careafc Urgen or Liquivida?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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