Degree Wellness vs Home Care For The 21st Century
Degree Wellness vs Home Care For The 21st Century: Degree Wellness costs $428K to $788K to open; Home Care For The 21st Century costs $25K to $205K. Degree Wellness has 14 units, Home Care For The 21st Century has 4. SBA loan history: Degree Wellness = 17 loans (0.0% default); Home Care For The 21st Century = 9 loans (11.1% 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.
Degree Wellness vs Home Care For The 21st Century: 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
Home Care For The 21st Century requires the lower minimum capital commitment ($25K vs $428K for Degree Wellness), a 1613% spread. Initial franchise fees come in at $50K for Degree Wellness versus $70K for Home Care For The 21st Century, Degree Wellness has the lower entry fee. Ongoing royalty load is 7% for Degree Wellness and 7% for Home Care For The 21st Century, equal royalty drag.
System Scale & Tenure
On scale, Degree Wellness operates 14 units to Home Care For The 21st Century's 4, roughly 4× the system size. Degree Wellness has been operating 8 years (founded 2018) versus 4 for Home Care For The 21st Century (founded 2022), a 4-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Degree Wellness has the deeper SBA lending track record, with 17 7(a) approvals compared with 9 for Home Care For The 21st Century. Degree Wellness's peak SBA year was 2025 (10 loans); Home Care For The 21st Century's peak was 2023 (6 loans). Degree Wellness's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Degree Wellness deals is $580K vs $115K for Home Care For The 21st Century, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Degree Wellness and 11.1% for Home Care For The 21st Century, Degree Wellness has the cleaner SBA loss record by 11.1 points. PeerSense FPI scores come in at 68 (Strong) for Degree Wellness and 47 (Fair) for Home Care For The 21st Century, giving Degree Wellness the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 68/100 | 47/100 |
Health Tier | Strong | Fair |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 17 | 9 |
SBA Volume | – | – |
Default Rate | 0.0% | 11.1% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $428K to $788K | $25K to $205K |
Franchise Fee | $50K | $70K |
Royalty Rate | 7% | 7% |
Ad Fund | 1% | 1% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 14 | 4 |
Franchised Units | 14 | 4 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2018 | 2022 |
Franchising Since | 2024 | N/A |
Years Franchising | 2 yrs | N/A |
Headquarters | FLOWER MOUND, TX | Brandon, FL |
Category | Offices of All Other Miscellaneous Health Practitioners | Offices of All Other Miscellaneous Health Practitioners |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Degree Wellness or Home Care For The 21st Century?
Lower upfront capital required
Tie
Degree Wellness: $428K starting · Home Care For The 21st Century: $25K starting
More SBA lender confidence
Degree Wellness
Degree Wellness: 17 SBA loans · Home Care For The 21st Century: 9 SBA loans
Lower SBA default rate
Degree Wellness
Degree Wellness: 0.0% · Home Care For The 21st Century: 11.1%
Larger system & brand presence
Tie
Degree Wellness: 14 units · Home Care For The 21st Century: 4 units
Lower ongoing royalty load
Tie
Degree Wellness: 7% · Home Care For The 21st Century: 7%
More lender financing options
Degree Wellness
Degree Wellness: 9 unique lenders · Home Care For The 21st Century: 2 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
Degree Wellness vs Home Care For The 21st Century: Franchise Funding Comparison
Comparing Degree Wellness and Home Care For The 21st Century is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $788K.
Degree Wellness has 17 SBA loans on record and Home Care For The 21st Century has 9. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Degree Wellness vs Home Care For The 21st Century, Frequently Asked Questions
Which is a better franchise investment, Degree Wellness or Home Care For The 21st Century?
How much does a Degree Wellness franchise cost compared to Home Care For The 21st Century?
Can I finance Degree Wellness or Home Care For The 21st Century with an SBA loan?
Which has a lower SBA default rate, Degree Wellness or Home Care For The 21st Century?
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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