Home Instead vs Right at Home
Home Instead vs Right at Home: Home Instead costs $4.3M–$4.3M to open; Right at Home costs $92K–$165K. Home Instead has 625 units, Right at Home has 123. SBA loan history: Home Instead = 445 loans (1.1% default); Right at Home = 153 loans (2.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Home Instead vs Right at Home: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Right at Home requires the lower minimum capital commitment ($92K vs $4.3M for Home Instead), a 4593% spread. Initial franchise fees come in at $54K for Home Instead versus $50K for Right at Home, Right at Home has the lower entry fee. Ongoing royalty load is 5% for Home Instead and 5% for Right at Home, equal royalty drag.
System Scale & Tenure
On scale, Home Instead operates 625 units to Right at Home's 123, roughly 5× the system size. Home Instead has been operating 32 years (founded 1994) versus 31 for Right at Home (founded 1995), a 1-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Home Instead has the deeper SBA lending track record with 445 historical 7(a) approvals versus 153 for Right at Home.
Risk Signal
SBA default rates are 1.1% for Home Instead and 2.0% for Right at Home, Home Instead has the cleaner historical loss profile by 0.9 points. PeerSense FPI scores come in at 68 (Strong) for Home Instead and 67 (Strong) for Right at Home, giving Home Instead the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 68/100 | 67/100 |
Health Tier | Strong | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 445 | 153 |
SBA Volume | – | – |
Default Rate | 1.1% | 2.0% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $4.3M – $4.3M | $92K – $165K |
Franchise Fee | $54K | $50K |
Royalty Rate | 5% | 5% |
Ad Fund | 2% | 2% |
Liquid Capital | $59K | $150K |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 625 | 123 |
Franchised Units | 619 | 123 |
Company-Owned | 6 | – |
Term Length | 5 yrs | 20 yrs |
Brand Information
Year Founded | 1994 | 1995 |
Franchising Since | 1995 | 1960 |
Years Franchising | 31 yrs | 66 yrs |
Headquarters | Omaha, NE | Omaha, NE |
Category | Home Health Care Services | Home Health Care Services |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, Home Instead or Right at Home?
Lower upfront capital required
Right at Home
Home Instead: $4.3M starting · Right at Home: $92K starting
More SBA lender confidence
Home Instead
Home Instead: 445 SBA loans · Right at Home: 153 SBA loans
Lower historical default rate
Home Instead
Home Instead: 1.1% · Right at Home: 2.0%
Larger system & brand presence
Home Instead
Home Instead: 625 units · Right at Home: 123 units
Lower ongoing royalty load
Tie
Home Instead: 5% · Right at Home: 5%
More lender financing options
Home Instead
Home Instead: 116 unique lenders · Right at Home: 52 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 Instead vs Right at Home: Franchise Funding Comparison
Comparing Home Instead and Right at Home is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $92K to $4.3M.
Both brands have active SBA lending histories, Home Instead with 445 SBA loans and Right at Home with 153. This means proven lender acceptance and established underwriting paths for franchise buyers.
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 Instead vs Right at Home, Frequently Asked Questions
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