Home Care For The 21st Century vs The Tox
Home Care For The 21st Century vs The Tox: Home Care For The 21st Century costs $25K to $205K to open; The Tox costs $258K to $449K. Home Care For The 21st Century has 4 units, The Tox has 6. SBA loan history: Home Care For The 21st Century = 9 loans (11.1% default); The Tox = 7 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.
Home Care For The 21st Century vs The Tox: 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 $258K for The Tox), a 90% spread. Initial franchise fees come in at $70K for Home Care For The 21st Century versus $50K for The Tox, The Tox has the lower entry fee. Ongoing royalty load is 7% for Home Care For The 21st Century and 8% for The Tox, giving Home Care For The 21st Century the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, The Tox operates 6 units to Home Care For The 21st Century's 4. The Tox has been operating 7 years (founded 2019) versus 4 for Home Care For The 21st Century (founded 2022), a 3-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Home Care For The 21st Century has the deeper SBA lending track record, with 9 7(a) approvals compared with 7 for The Tox. Home Care For The 21st Century's peak SBA year was 2023 (6 loans); The Tox's peak was 2025 (5 loans). The Tox's more recent peak generally indicates fresher lender appetite. Home Care For The 21st Century has the most SBA funded units in TX, with 4. The Tox leads in OH, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Home Care For The 21st Century deals is $115K vs $301K for The Tox, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 11.1% for Home Care For The 21st Century and 0.0% for The Tox, The Tox has the cleaner SBA loss record by 11.1 points. PeerSense FPI scores come in at 47 (Fair) for Home Care For The 21st Century and 65 (Strong) for The Tox, giving The Tox the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 47/100 | 65/100 |
Health Tier | Fair | Strong |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 9 | 7 |
SBA Volume | – | – |
Default Rate | 11.1% | 0.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $25K to $205K | $258K to $449K |
Franchise Fee | $70K | $50K |
Royalty Rate | 7% | 8% |
Ad Fund | 1% | 2% |
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 | 4 | 6 |
Franchised Units | 4 | 6 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2022 | 2019 |
Franchising Since | N/A | 2021 |
Years Franchising | N/A | 5 yrs |
Headquarters | Brandon, FL | Vero Beach, FL |
Category | Offices of All Other Miscellaneous Health Practitioners | Offices of All Other Miscellaneous Health Practitioners |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Home Care For The 21st Century or The Tox?
Lower upfront capital required
Tie
Home Care For The 21st Century: $25K starting · The Tox: $258K starting
More SBA lender confidence
Home Care For The 21st Century
Home Care For The 21st Century: 9 SBA loans · The Tox: 7 SBA loans
Lower SBA default rate
The Tox
Home Care For The 21st Century: 11.1% · The Tox: 0.0%
Larger system & brand presence
Tie
Home Care For The 21st Century: 4 units · The Tox: 6 units
Lower ongoing royalty load
Home Care For The 21st Century
Home Care For The 21st Century: 7% · The Tox: 8%
More lender financing options
The Tox
Home Care For The 21st Century: 2 unique lenders · The Tox: 3 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
Home Care For The 21st Century vs The Tox: Franchise Funding Comparison
Comparing Home Care For The 21st Century and The Tox is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $449K.
Home Care For The 21st Century has 9 SBA loans on record and The Tox has 7. 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.
Home Care For The 21st Century vs The Tox, Frequently Asked Questions
Which is a better franchise investment, Home Care For The 21st Century or The Tox?
How much does a Home Care For The 21st Century franchise cost compared to The Tox?
Can I finance Home Care For The 21st Century or The Tox with an SBA loan?
Which has a lower SBA default rate, Home Care For The 21st Century or The Tox?
Talk to PeerSense
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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