Right at Home vs Synergy Homecare
Right at Home vs Synergy Homecare: Right at Home costs $92K to $165K to open; Synergy Homecare costs $52K to $201K. Right at Home has 123 units, Synergy Homecare has 550. SBA loan history: Right at Home = 153 loans (2.0% default); Synergy Homecare = 77 loans (5.2% 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.
Right at Home vs Synergy Homecare: 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
Synergy Homecare requires the lower minimum capital commitment ($52K vs $92K for Right at Home), a 78% spread. Initial franchise fees come in at $50K for Right at Home versus $53K for Synergy Homecare, Right at Home has the lower entry fee. Ongoing royalty load is 5% for Right at Home and 5% for Synergy Homecare, equal royalty drag.
System Scale & Tenure
On scale, Synergy Homecare operates 550 units to Right at Home's 123, roughly 4× the system size. Right at Home has been operating 31 years (founded 1995) versus 25 for Synergy Homecare (founded 2001), a 6-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Right at Home has the deeper SBA lending track record, with 153 7(a) approvals compared with 77 for Synergy Homecare.
Risk Signal
SBA default rates are 2.0% for Right at Home and 5.2% for Synergy Homecare, Right at Home has the cleaner SBA loss record by 3.2 points. PeerSense FPI scores come in at 67 (Strong) for Right at Home and 65 (Strong) for Synergy Homecare, giving Right at Home the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 67/100 | 65/100 |
Health Tier | Strong | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 153 | 77 |
SBA Volume | – | – |
Default Rate | 2.0% | 5.2% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $92K to $165K | $52K to $201K |
Franchise Fee | $50K | $53K |
Royalty Rate | 5% | 5% |
Ad Fund | 2% | 2% |
Liquid Capital | $150K | $50K |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 123 | 550 |
Franchised Units | 123 | 550 |
Company Owned | – | – |
Term Length | 20 yrs | 5 yrs |
Brand Information
Year Founded | 1995 | 2001 |
Franchising Since | 1960 | 2005 |
Years Franchising | 66 yrs | 21 yrs |
Headquarters | Omaha, NE | Tempe, AZ |
Category | Home Health Care Services | Home Health Care Services |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Right at Home or Synergy Homecare?
Lower upfront capital required
Synergy Homecare
Right at Home: $92K starting · Synergy Homecare: $52K starting
More SBA lender confidence
Right at Home
Right at Home: 153 SBA loans · Synergy Homecare: 77 SBA loans
Lower SBA default rate
Right at Home
Right at Home: 2.0% · Synergy Homecare: 5.2%
Larger system & brand presence
Synergy Homecare
Right at Home: 123 units · Synergy Homecare: 550 units
Lower ongoing royalty load
Tie
Right at Home: 5% · Synergy Homecare: 5%
More lender financing options
Right at Home
Right at Home: 52 unique lenders · Synergy Homecare: 34 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
Right at Home vs Synergy Homecare: Franchise Funding Comparison
Comparing Right at Home and Synergy Homecare is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $52K to $201K.
Right at Home has 153 SBA loans on record and Synergy Homecare has 77. 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.
Right at Home vs Synergy Homecare, Frequently Asked Questions
Which is a better franchise investment, Right at Home or Synergy Homecare?
How much does a Right at Home franchise cost compared to Synergy Homecare?
Can I finance Right at Home or Synergy Homecare with an SBA loan?
Which has a lower SBA default rate, Right at Home or Synergy Homecare?
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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