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Comfort Keepers

Comfort Keepers

The total investment to open a Comfort Keepers franchise ranges from $119,560 to $190,700. The initial franchise fee is $55,000. Ongoing royalties are 5% plus a 2% advertising fee.

What is the Comfort Keepers franchise?

The in home care industry reflects two major forces in American society: an aging population and a strong preference to remain at home instead of moving into institutional care. About 10,000 Baby Boomers turn 65 each day in the United States. The senior population is already the largest in the nation’s history and will keep growing for decades. More than 90 percent of aging Americans, according to most surveys, want to remain in their own homes. Mobility limits, chronic health conditions, cognitive decline, medication management, social isolation and reduced physical ability can make independent living difficult without help. Comfort Keepers has spent more than a quarter century addressing this need through professional in home care services.

Founded in 1998 by registered nurse Kristina Zubrinich Kegel, Comfort Keepers provides personalized care to seniors and other adults who need daily living assistance. The brand is now part of Sodexo and has approximately 600 franchise locations across the United States and internationally. Its Interactive Caregiving approach encourages clients to take part in daily activities as much as possible, supporting physical and mental well being through engagement. Services include companion care, personal care, light housekeeping, meal preparation, transportation, medication reminders, respite care, transitional care after hospital stays, and specialized programs for clients with Alzheimer’s, dementia and other cognitive conditions.

The United States in home care market is among the fastest growing areas of the healthcare services economy. The Administration on Aging projects that the population aged 65 and older will nearly double between 2020 and 2060, reaching nearly 95 million people. Many families already have difficulty finding qualified providers, and that supply gap is expected to grow. Other demand factors include rising institutional care costs, with private nursing home rooms averaging well over $90,000 per year, research supporting aging in place, Medicare and Medicaid policies favoring home based care, and families’ increasing willingness to pay for professional help. Comfort Keepers combines nearly three decades of operating experience with Sodexo’s global resources and corporate backing.

The initial Comfort Keepers franchise investment ranges from approximately $90,000 to $200,000. This covers the franchise fee, office setup, technology systems, insurance and licensing, initial marketing and working capital. The model is asset light, with no retail storefront, expensive equipment, inventory or build out beyond a basic administrative office. Franchisees recruit, train and manage professional caregivers who serve clients in their homes, while revenue comes from hourly billing rates that vary by service type, geography and client needs. Owners pay an ongoing royalty on gross revenue and contribute to the national advertising fund. Sodexo support includes human resources tools, compliance assistance, scheduling and caregiver management technology, and relationships with hospitals, rehabilitation centers and healthcare networks. Buyers also need sufficient net worth and liquid capital to cover the investment and the customer acquisition ramp up period.

Comfort Keepers has approximately 600 franchise territories in the United States and international markets. Territories provide exclusive rights within defined geographic areas, supported by territory analysis, market planning and a launch program. Marketing assistance includes television and digital advertising, content marketing, social media management, search engine optimization and reputation management. The system also maintains referral relationships with hospitals, rehabilitation centers, physician offices, elder law attorneys, geriatric care managers and senior living communities. Sodexo adds vendor relationships, insurance programs, regulatory compliance support and technology investments that may be difficult for independent providers and smaller franchise systems to obtain.

Training prepares owners to operate a professional home care organization. Topics include Interactive Caregiving, client assessment and care planning, caregiver recruitment and retention, state licensing and regulatory compliance, sales and marketing, financial management, billing and technology for scheduling, caregiver tracking and client communication. Recruiting and retaining caregivers receives particular attention because demand for qualified workers exceeds supply. Ongoing support includes field visits from franchise business consultants, continuing education, annual conferences, regional workshops and a national peer network. Sodexo also supports human resources, legal compliance, quality assurance and technology development.

Healthcare or home care experience is not required because the training accommodates candidates from different professional backgrounds. Owners should have management and leadership ability, be comfortable hiring and managing hourly workers, build referral relationships with healthcare professionals and community organizations, and care about serving seniors. Franchisees come from healthcare administration, corporate management, military service, social work and other fields that develop empathy, organization and service skills. The initial investment and demand for in home care may appeal to candidates prepared to devote the time and effort required to build a quality care organization.

PeerSense tracks Comfort Keepers performance data, including SBA lending activity, unit growth trends, investment benchmarks and competitive position in home care services. Its Loan Activity Score is 77 out of 100, indicating strong lending confidence and an established market presence tied to the franchise system and the essential nature of in home care in an aging society. Prospective owners can compare Comfort Keepers with home care franchises, senior services concepts and healthcare service businesses. PeerSense provides research and financing connections for buyers evaluating franchise ownership, including SBA loan data and access to lending partners that work with franchise acquisitions.

Loan Activity Score

77/100

SBA Default Rate

2.2%

Active Lenders

69

Franchisees account for 619 of Comfort Keepers's 624 locations. Public SBA loan records show 69 lenders made 134 loans to franchisees of Comfort Keepers. PeerSense calculates Comfort Keepers's score as 77 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

Franchising since 1998 · 624 locations

Investment

$119,560 to $190,700

Franchise Fee

$55,000

Total Units

624

619 franchised

Loan Activity Score
Very high
77
SBA Lending
25
Lender Quality
13
Transparency
11
Reach
10
Momentum
18

Proprietary PeerSense metric

Strong
Capital Sources
69SBA lenders

Distinct lenders in public SBA records for Comfort Keepers

134

Total SBA loans

$541K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Comfort Keepers

Loan Activity Score Breakdown

Major Brand (100+ loans)

Very High Confidence
77out of 100
Strong
Market Momentum18/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence13/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency11/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint10/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

2.2%

vs 10.8% peer avg

SBA Loans

134

Total Volume

$72.5M

Active Lenders

69

8 selective

States

37

vs. SBA Sector Average

+8.6%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (2.2%)
Item 19 financial data disclosed
624 locations nationwide

Data Insights

Key performance metrics for Comfort Keepers based on SBA lending data

SBA Default Rate

2.2%

8.6% below peer avg

SBA Loan Volume

134 loans

Across 69 lenders

Lender Diversity

69 lenders

Avg 1.9 loans per lender

Investment Tier

Mid range investment

$119,560 to $190,700 total

Comfort Keepers: Deep SBA Data

Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.

Peak SBA Year

2022

16 approvals. The best year on record for Comfort Keepers.

Top SBA State

California

12 SBA financed Comfort Keepers locations, the densest operator footprint.

Average Loan Size

$541K

Median $200K. Use as a sizing anchor when modeling your own Comfort Keepers unit.

Lender Concentration

23.9%

Moderately Spread

Share of Comfort Keepers approvals captured by the top 3 SBA lenders.

Comfort Keepers's SBA lending pipeline peaked in 2022 (16 approvals). The last five fiscal years account for 32% of cumulative volume ($30M approved). Operator density is highest in California with 12 SBA financed locations. Average funded ticket sits at $541K, with the median at $200K. Lender mix is moderately spread: the top three SBA lenders account for 23.9% of approvals. Borrowers have leverage to shop multiple credit boxes.

Payment Estimator

Loan Amount$96K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,238

Principal & Interest only

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Locations

Comfort Keepers, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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4 FDDs Available for Comfort Keepers

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

Comfort Keepers

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; it does not lend, fund, or approve loans, and 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