Comfort Keepers vs HomeWell Care Services
Comfort Keepers vs HomeWell Care Services: Comfort Keepers costs $120K to $191K to open; HomeWell Care Services costs $54K to $234K. Comfort Keepers has 624 units, HomeWell Care Services has 27. SBA loan history: Comfort Keepers = 134 loans (2.2% default); HomeWell Care Services = 31 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.
Comfort Keepers vs HomeWell Care Services: 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
HomeWell Care Services requires the lower minimum capital commitment ($54K vs $120K for Comfort Keepers), a 121% spread. Initial franchise fees come in at $55K for Comfort Keepers versus $50K for HomeWell Care Services, HomeWell Care Services has the lower entry fee. Ongoing royalty load is 5% for Comfort Keepers and 5% for HomeWell Care Services, equal royalty drag.
System Scale & Tenure
On scale, Comfort Keepers operates 624 units to HomeWell Care Services's 27, roughly 23× the system size. HomeWell Care Services has been operating 30 years (founded 1996) versus 28 for Comfort Keepers (founded 1998), a 2-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Comfort Keepers has the deeper SBA lending track record, with 134 7(a) approvals compared with 31 for HomeWell Care Services. Comfort Keepers's peak SBA year was 2022 (16 loans); HomeWell Care Services's peak was 2025 (11 loans). HomeWell Care Services's more recent peak generally indicates fresher lender appetite. Comfort Keepers has the most SBA funded units in CA, with 12. HomeWell Care Services leads in FL, with 6. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Comfort Keepers deals is $541K vs $156K for HomeWell Care Services, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 2.2% for Comfort Keepers and 0.0% for HomeWell Care Services, HomeWell Care Services has the cleaner SBA loss record by 2.2 points. PeerSense FPI scores come in at 77 (Strong) for Comfort Keepers and 83 (Excellent) for HomeWell Care Services, giving HomeWell Care Services the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 77/100 | 83/100 |
Health Tier | Strong | Excellent |
Confidence | N/A | N/A |
Lending Trend | Stable | Growing |
SBA Lending
SBA Loans | 134 | 31 |
SBA Volume | – | – |
Default Rate | 2.2% | 0.0% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $120K to $191K | $54K to $234K |
Franchise Fee | $55K | $50K |
Royalty Rate | 5% | 5% |
Ad Fund | 2% | 2% |
Liquid Capital | $100K | $100K |
Net Worth Required | $300K | $100K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 624 | 27 |
Franchised Units | 619 | 27 |
Company Owned | 5 | – |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 1998 | 1996 |
Franchising Since | 1999 | 2003 |
Years Franchising | 27 yrs | 23 yrs |
Headquarters | Irvine, CA | Burkburnett, TX |
Category | Home Care & Senior Services | Home Care & Senior Services |
Website | ||
FDD Year | 2026 | 2025 |
Which Is Better, Comfort Keepers or HomeWell Care Services?
Lower upfront capital required
HomeWell Care Services
Comfort Keepers: $120K starting · HomeWell Care Services: $54K starting
More SBA lender confidence
Comfort Keepers
Comfort Keepers: 134 SBA loans · HomeWell Care Services: 31 SBA loans
Lower SBA default rate
HomeWell Care Services
Comfort Keepers: 2.2% · HomeWell Care Services: 0.0%
Larger system & brand presence
Comfort Keepers
Comfort Keepers: 624 units · HomeWell Care Services: 27 units
Lower ongoing royalty load
Tie
Comfort Keepers: 5% · HomeWell Care Services: 5%
More lender financing options
Comfort Keepers
Comfort Keepers: 69 unique lenders · HomeWell Care Services: 9 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
Comfort Keepers vs HomeWell Care Services: Franchise Funding Comparison
Comparing Comfort Keepers and HomeWell Care Services is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $54K to $234K.
Comfort Keepers has 134 SBA loans on record and HomeWell Care Services has 31. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
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.
Comfort Keepers vs HomeWell Care Services, Frequently Asked Questions
Which is a better franchise investment, Comfort Keepers or HomeWell Care Services?
How much does a Comfort Keepers franchise cost compared to HomeWell Care Services?
Can I finance Comfort Keepers or HomeWell Care Services with an SBA loan?
Which has a lower SBA default rate, Comfort Keepers or HomeWell Care Services?
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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; it does not lend, fund, or approve loans, and 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