Bright Star Healthcare/Brights vs BrightStar Care
Bright Star Healthcare/Brights vs BrightStar Care: Bright Star Healthcare/Brights costs $50K to $499K to open; BrightStar Care costs $132K to $235K. Bright Star Healthcare/Brights has 47 units, BrightStar Care has 77. SBA loan history: Bright Star Healthcare/Brights = 64 loans (4.7% default); BrightStar Care = 106 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.
Bright Star Healthcare/Brights vs BrightStar Care: 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
Bright Star Healthcare/Brights requires the lower minimum capital commitment ($50K vs $132K for BrightStar Care), a 62% spread. Initial franchise fees come in at $50K for Bright Star Healthcare/Brights versus $50K for BrightStar Care.
System Scale & Tenure
On scale, BrightStar Care operates 77 units to Bright Star Healthcare/Brights's 47. BrightStar Care has been operating 24 years (founded 2002) versus 21 for Bright Star Healthcare/Brights (founded 2005), a 3-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
BrightStar Care has the deeper SBA lending track record, with 106 7(a) approvals compared with 64 for Bright Star Healthcare/Brights. Bright Star Healthcare/Brights's peak SBA year was 2016 (23 loans); BrightStar Care's peak was 2025 (23 loans). BrightStar Care's more recent peak generally indicates fresher lender appetite. Bright Star Healthcare/Brights has the most SBA funded units in FL, with 10. BrightStar Care leads in NJ, with 12. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Bright Star Healthcare/Brights deals is $227K vs $558K for BrightStar Care, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.7% for Bright Star Healthcare/Brights and 0.0% for BrightStar Care, BrightStar Care has the cleaner SBA loss record by 4.7 points. PeerSense FPI scores come in at 42 (Fair) for Bright Star Healthcare/Brights and 68 (Strong) for BrightStar Care, giving BrightStar Care the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 42/100 | 68/100 |
Health Tier | Fair | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 64 | 106 |
SBA Volume | – | – |
Default Rate | 4.7% | 0.0% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $50K to $499K | $132K to $235K |
Franchise Fee | $50K | $50K |
Royalty Rate | N/A | 5.25% |
Ad Fund | N/A | 2.5% |
Liquid Capital | N/A | $150K |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 47 | 77 |
Franchised Units | 47 | 77 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2005 | 2002 |
Franchising Since | N/A | 2005 |
Years Franchising | N/A | 21 yrs |
Headquarters | TAMPA, FL | Gurnee, IL |
Category | Home Health Care Services | Home Health Care Services |
Website | ||
FDD Year | N/A | 2024 |
Which Is Better, Bright Star Healthcare/Brights or BrightStar Care?
Lower upfront capital required
Tie
Bright Star Healthcare/Brights: $50K starting · BrightStar Care: $132K starting
More SBA lender confidence
BrightStar Care
Bright Star Healthcare/Brights: 64 SBA loans · BrightStar Care: 106 SBA loans
Lower SBA default rate
BrightStar Care
Bright Star Healthcare/Brights: 4.7% · BrightStar Care: 0.0%
Larger system & brand presence
Tie
Bright Star Healthcare/Brights: 47 units · BrightStar Care: 77 units
More lender financing options
Bright Star Healthcare/Brights
Bright Star Healthcare/Brights: 34 unique lenders · BrightStar Care: 33 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.
Need Funding for Bright Star Healthcare/Brights or BrightStar Care?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Bright Star Healthcare/Brights vs BrightStar Care: Franchise Funding Comparison
Comparing Bright Star Healthcare/Brights and BrightStar Care is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $499K.
Bright Star Healthcare/Brights has 64 SBA loans on record and BrightStar Care has 106. 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.
Bright Star Healthcare/Brights vs BrightStar Care, Frequently Asked Questions
Which is a better franchise investment, Bright Star Healthcare/Brights or BrightStar Care?
How much does a Bright Star Healthcare/Brights franchise cost compared to BrightStar Care?
Can I finance Bright Star Healthcare/Brights or BrightStar Care with an SBA loan?
Which has a lower SBA default rate, Bright Star Healthcare/Brights or BrightStar Care?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): PeerSense will reach out. No obligation.
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