Assisted Living Locators vs Town Square
Assisted Living Locators vs Town Square: Assisted Living Locators costs $75K to $461K to open; Town Square costs $847K to $1.4M. Assisted Living Locators has 31 units, Town Square has 10. SBA loan history: Assisted Living Locators = 36 loans (13.9% default); Town Square = 10 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.
Assisted Living Locators vs Town Square: 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
Assisted Living Locators requires the lower minimum capital commitment ($75K vs $847K for Town Square), a 91% spread. Initial franchise fees come in at $50K for Assisted Living Locators versus $100K for Town Square, Assisted Living Locators has the lower entry fee. Ongoing royalty load is 8% for Assisted Living Locators and 7% for Town Square, giving Town Square the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Assisted Living Locators operates 31 units to Town Square's 10, roughly 3× the system size. Assisted Living Locators has been operating 23 years (founded 2003) versus 12 for Town Square (founded 2014), a 11-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Assisted Living Locators has the deeper SBA lending track record, with 36 7(a) approvals compared with 10 for Town Square. Assisted Living Locators's peak SBA year was 2018 (5 loans); Town Square's peak was 2021 (4 loans). Town Square's more recent peak generally indicates fresher lender appetite. Assisted Living Locators has the most SBA funded units in OH, with 3. Town Square leads in FL, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Assisted Living Locators deals is $248K vs $2.1M for Town Square, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.9% for Assisted Living Locators and 0.0% for Town Square, Town Square has the cleaner SBA loss record by 13.9 points. PeerSense FPI scores come in at 64 (Moderate) for Assisted Living Locators and 62 (Moderate) for Town Square, giving Assisted Living Locators the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 64/100 | 62/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Stable | Declining |
SBA Lending
SBA Loans | 36 | 10 |
SBA Volume | – | – |
Default Rate | 13.9% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $75K to $461K | $847K to $1.4M |
Franchise Fee | $50K | $100K |
Royalty Rate | 8% | 7% |
Ad Fund | 2% | 1% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 31 | 10 |
Franchised Units | 31 | 10 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2003 | 2014 |
Franchising Since | 2006 | N/A |
Years Franchising | 20 yrs | N/A |
Headquarters | Scottsdale, AZ | Nottingham, MD |
Category | Services for the Elderly | Services for the Elderly |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Assisted Living Locators or Town Square?
Lower upfront capital required
Assisted Living Locators
Assisted Living Locators: $75K starting · Town Square: $847K starting
More SBA lender confidence
Assisted Living Locators
Assisted Living Locators: 36 SBA loans · Town Square: 10 SBA loans
Lower SBA default rate
Town Square
Assisted Living Locators: 13.9% · Town Square: 0.0%
Larger system & brand presence
Assisted Living Locators
Assisted Living Locators: 31 units · Town Square: 10 units
Lower ongoing royalty load
Town Square
Assisted Living Locators: 8% · Town Square: 7%
More lender financing options
Assisted Living Locators
Assisted Living Locators: 9 unique lenders · Town Square: 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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About These Franchises
Assisted Living Locators vs Town Square: Franchise Funding Comparison
Comparing Assisted Living Locators and Town Square is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $75K to $1.4M.
Assisted Living Locators has 36 SBA loans on record and Town Square has 10. 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.
Assisted Living Locators vs Town Square, Frequently Asked Questions
Which is a better franchise investment, Assisted Living Locators or Town Square?
How much does a Assisted Living Locators franchise cost compared to Town Square?
Can I finance Assisted Living Locators or Town Square with an SBA loan?
Which has a lower SBA default rate, Assisted Living Locators or Town Square?
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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
Last reviewed LinkedIn profileAbout Edward Freeman