Town Square vs Visiting Angels
Town Square vs Visiting Angels: Town Square costs $847K to $1.4M to open; Visiting Angels costs $60K to $1.6M. Town Square has 10 units, Visiting Angels has 106. SBA loan history: Town Square = 10 loans (0.0% default); Visiting Angels = 154 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.
Town Square vs Visiting Angels: 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
Visiting Angels requires the lower minimum capital commitment ($60K vs $847K for Town Square), a 1312% spread. Initial franchise fees come in at $100K for Town Square versus $37K for Visiting Angels, Visiting Angels has the lower entry fee. Ongoing royalty load is 7% for Town Square and 3.5% for Visiting Angels, giving Visiting Angels the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Visiting Angels operates 106 units to Town Square's 10, roughly 11× the system size. Visiting Angels has been operating 34 years (founded 1992) versus 12 for Town Square (founded 2014), a 22-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Visiting Angels has the deeper SBA lending track record, with 154 7(a) approvals compared with 10 for Town Square. Town Square's peak SBA year was 2021 (4 loans); Visiting Angels's peak was 2022 (17 loans). Visiting Angels's more recent peak generally indicates fresher lender appetite. Town Square has the most SBA funded units in FL, with 3. Visiting Angels leads in OH, with 26. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Town Square deals is $2.1M vs $438K for Visiting Angels, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Town Square and 0.0% for Visiting Angels. PeerSense FPI scores come in at 62 (Moderate) for Town Square and 70 (Strong) for Visiting Angels, giving Visiting Angels the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 70/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 10 | 154 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $847K to $1.4M | $60K to $1.6M |
Franchise Fee | $100K | $37K |
Royalty Rate | 7% | 3.5% |
Ad Fund | 1% | 5% |
Liquid Capital | N/A | $110K |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 10 | 106 |
Franchised Units | 10 | 106 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2014 | 1992 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | Nottingham, MD | COLUMBUS, OH |
Category | Services for the Elderly | Services for the Elderly |
Website | ||
FDD Year | 2026 | 2024 |
Which Is Better, Town Square or Visiting Angels?
Lower upfront capital required
Visiting Angels
Town Square: $847K starting · Visiting Angels: $60K starting
More SBA lender confidence
Visiting Angels
Town Square: 10 SBA loans · Visiting Angels: 154 SBA loans
Lower SBA default rate
Tie
Town Square: 0.0% · Visiting Angels: 0.0%
Larger system & brand presence
Visiting Angels
Town Square: 10 units · Visiting Angels: 106 units
Lower ongoing royalty load
Visiting Angels
Town Square: 7% · Visiting Angels: 3.5%
More lender financing options
Visiting Angels
Town Square: 7 unique lenders · Visiting Angels: 69 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
Town Square vs Visiting Angels: Franchise Funding Comparison
Comparing Town Square and Visiting Angels is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $60K to $1.6M.
Town Square has 10 SBA loans on record and Visiting Angels has 154. 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.
Town Square vs Visiting Angels, Frequently Asked Questions
Which is a better franchise investment, Town Square or Visiting Angels?
How much does a Town Square franchise cost compared to Visiting Angels?
Can I finance Town Square or Visiting Angels with an SBA loan?
Which has a lower SBA default rate, Town Square or Visiting Angels?
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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
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