Hometeam Inspection Service vs Win Home Inspection
Hometeam Inspection Service vs Win Home Inspection: Hometeam Inspection Service costs $65K to $92K to open; Win Home Inspection costs $13K to $260K. Hometeam Inspection Service has 200 units, Win Home Inspection has 16. SBA loan history: Hometeam Inspection Service = 37 loans (16.2% default); Win Home Inspection = 17 loans (5.9% 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.
Hometeam Inspection Service vs Win Home Inspection: 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
Win Home Inspection requires the lower minimum capital commitment ($13K vs $65K for Hometeam Inspection Service), a 401% spread. Initial franchise fees come in at $55K for Hometeam Inspection Service versus $15K for Win Home Inspection, Win Home Inspection has the lower entry fee. Ongoing royalty load is 6% for Hometeam Inspection Service and 7% for Win Home Inspection, giving Hometeam Inspection Service the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Hometeam Inspection Service operates 200 units to Win Home Inspection's 16, roughly 13× the system size.
SBA Lending Profile
Hometeam Inspection Service has the deeper SBA lending track record, with 37 7(a) approvals compared with 17 for Win Home Inspection. Hometeam Inspection Service's peak SBA year was 2018 (8 loans); Win Home Inspection's peak was 2018 (3 loans). Win Home Inspection's more recent peak generally indicates fresher lender appetite. Hometeam Inspection Service has the most SBA funded units in MI, with 4. Win Home Inspection leads in CO, 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 Hometeam Inspection Service deals is $98K vs $121K for Win Home Inspection, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 16.2% for Hometeam Inspection Service and 5.9% for Win Home Inspection, Win Home Inspection has the cleaner SBA loss record by 10.3 points. PeerSense FPI scores come in at 54 (Moderate) for Hometeam Inspection Service and 53 (Moderate) for Win Home Inspection, giving Hometeam Inspection Service the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 53/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 37 | 17 |
SBA Volume | – | – |
Default Rate | 16.2% | 5.9% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $65K to $92K | $13K to $260K |
Franchise Fee | $55K | $15K |
Royalty Rate | 6% | 7% |
Ad Fund | 3% | 4% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 200 | 16 |
Franchised Units | 200 | 16 |
Company Owned | – | – |
Term Length | 10 yrs | 7 yrs |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | 1992 | 2015 |
Years Franchising | 34 yrs | 11 yrs |
Headquarters | ELKRIDGE, MD | CO |
Category | Building Inspection Services | Building Inspection Services |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Hometeam Inspection Service or Win Home Inspection?
Lower upfront capital required
Win Home Inspection
Hometeam Inspection Service: $65K starting · Win Home Inspection: $13K starting
More SBA lender confidence
Hometeam Inspection Service
Hometeam Inspection Service: 37 SBA loans · Win Home Inspection: 17 SBA loans
Lower SBA default rate
Win Home Inspection
Hometeam Inspection Service: 16.2% · Win Home Inspection: 5.9%
Larger system & brand presence
Hometeam Inspection Service
Hometeam Inspection Service: 200 units · Win Home Inspection: 16 units
Lower ongoing royalty load
Hometeam Inspection Service
Hometeam Inspection Service: 6% · Win Home Inspection: 7%
More lender financing options
Hometeam Inspection Service
Hometeam Inspection Service: 16 unique lenders · Win Home Inspection: 12 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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Hometeam Inspection Service vs Win Home Inspection: Franchise Funding Comparison
Comparing Hometeam Inspection Service and Win Home Inspection is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $13K to $260K.
Hometeam Inspection Service has 37 SBA loans on record and Win Home Inspection has 17. 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.
Hometeam Inspection Service vs Win Home Inspection, Frequently Asked Questions
Which is a better franchise investment, Hometeam Inspection Service or Win Home Inspection?
How much does a Hometeam Inspection Service franchise cost compared to Win Home Inspection?
Can I finance Hometeam Inspection Service or Win Home Inspection with an SBA loan?
Which has a lower SBA default rate, Hometeam Inspection Service or Win Home Inspection?
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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