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Rates
Comfort Keepers

Comfort Keepers

Franchising since 1998 · 624 locations

The total investment to open a Comfort Keepers franchise ranges from $119,560 - $190,700. The initial franchise fee is $55,000. Ongoing royalties are 5% plus a 2% advertising fee. Comfort Keepers currently operates 624 locations (619 franchised). PeerSense FPI health score: 77/100. Data sourced from the 2026 Franchise Disclosure Document.

Investment

$119,560 - $190,700

Franchise Fee

$55,000

Total Units

624

619 franchised

FPI Score
Very_high
77

Proprietary PeerSense metric

Strong
Capital Partners
69lenders available

Active capital sources verified for Comfort Keepers financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Major Brand (100+ loans)

Very High Confidence
77out of 100
Strong

SBA Lending Performance

SBA Default Rate

2.2%

3 of 134 loans charged off

SBA Loans

134

Total Volume

$72.5M

Active Lenders

69

States

37

What is the Comfort Keepers franchise?

The in-home care industry exists at the intersection of two of the most powerful forces shaping American society: the unprecedented aging of the population and the equally powerful cultural preference for remaining at home rather than moving to institutional care settings. Every day in the United States, approximately 10,000 Baby Boomers turn 65, joining a senior population that is already the largest in the nation's history and that will continue growing for decades. The vast majority of these aging Americans — more than 90 percent by most surveys — want to remain in their own homes as they age, surrounded by the familiar spaces, possessions, and neighborhoods that represent a lifetime of memories and independence. Yet the reality of aging inevitably creates challenges that make independent living difficult or impossible without assistance: mobility limitations, chronic health conditions, cognitive decline, medication management complexities, social isolation, and the gradual erosion of the physical capabilities that once made everyday tasks effortless. The gap between where seniors want to live and the support they need to live there safely and comfortably represents a multi-billion-dollar market opportunity — and for more than a quarter century, Comfort Keepers has been one of the most trusted brands in America dedicated to bridging that gap with compassionate, professional, in-home care services.

Comfort Keepers is a nationally recognized in-home care franchise that has been delivering personalized care services to seniors and other adults who need assistance with daily living since its founding in 1998 by Kristina Zubrinich-Kegel, a registered nurse who saw firsthand the need for a new approach to home care that elevated caregiving from a transactional service to a relationship-driven, holistic experience. Now part of Sodexo, one of the largest services companies in the world, Comfort Keepers has grown to approximately 600 franchise locations across the United States and internationally, making it one of the largest non-medical in-home care providers in the world. The company's proprietary approach to care — which it calls Interactive Caregiving — is built on the belief that care recipients should be actively engaged in their own lives rather than passively receiving services. Interactive Caregiving encourages clients to participate in daily activities to the greatest extent possible, promoting physical and mental well-being through engagement rather than fostering dependence through excessive assistance. Services include companion care, personal care, light housekeeping, meal preparation, transportation, medication reminders, respite care for family caregivers, transitional care after hospital stays, and specialized programs for clients with Alzheimer's, dementia, and other cognitive conditions. The breadth of services and the depth of the care philosophy create a comprehensive offering that addresses the full spectrum of aging-in-place needs.

The in-home care market in the United States is one of the fastest-growing sectors in the healthcare services economy, driven by demographic trends that are both massive and irreversible. The Administration on Aging projects that the population of Americans aged 65 and older will nearly double between 2020 and 2060, reaching nearly 95 million people — a demographic shift that will drive demand for in-home care services to levels that the current supply of providers is wholly unprepared to meet. This supply-demand imbalance is already evident in many markets where families struggle to find qualified in-home care providers, and it will only intensify as the aging population grows. Beyond the demographic tailwind, several additional factors are accelerating demand for in-home care: the rising cost of institutional care (nursing homes now average well over $90,000 per year for a private room), the growing body of research showing that aging in place produces better health outcomes than institutional care, Medicare and Medicaid policy shifts that incentivize home-based care over facility-based care, and the increasing willingness of families to invest in professional care services rather than attempting to provide care themselves at the expense of their own careers and well-being. Comfort Keepers is one of the best-positioned brands to capitalize on these converging trends, with a franchise system that combines nearly three decades of operational experience with the global resources and corporate backing of Sodexo.

The Comfort Keepers franchise model requires an initial investment ranging from approximately $90,000 to $200,000, which includes the franchise fee, office setup, technology systems, insurance and licensing, initial marketing, and working capital. This investment level is notably modest compared to most franchise concepts, reflecting the asset-light nature of the in-home care business model — there are no retail storefronts, no expensive equipment, no inventory, and no build-out costs beyond a basic administrative office. The business operates by recruiting, training, and managing a team of professional caregivers who provide services in clients' homes, with revenue generated through hourly billing rates that vary by service type, geography, and client needs. Franchisees pay an ongoing royalty on gross revenue plus contributions to the national advertising fund. The Sodexo corporate backing provides significant advantages that are not available to independent in-home care providers or smaller franchise systems, including access to sophisticated HR management tools, compliance and regulatory support, technology platforms for scheduling and caregiver management, and national relationships with referral sources including hospitals, rehabilitation centers, and healthcare networks. Financial requirements include sufficient net worth and liquid capital to fund the initial investment and sustain operations during the customer acquisition ramp-up period.

Comfort Keepers operates one of the largest franchise networks in the home care industry, with approximately 600 franchise territories spanning the United States and international markets. This extensive footprint provides the brand with national recognition that drives consumer awareness and trust — when families search for in-home care providers, Comfort Keepers is consistently among the most recognized and most searched brands in the category. Each franchise territory provides exclusive rights within a defined geographic area, and the corporate team supports franchise development with territory analysis, market planning, and a comprehensive launch program that prepares new franchisees for operations. National and local marketing support includes television and digital advertising campaigns, content marketing, social media management, search engine optimization, and reputation management programs that help franchisees build a strong online presence in their local markets. The franchise system also maintains relationships with national referral sources — hospitals, rehabilitation centers, physician offices, elder law attorneys, geriatric care managers, and senior living communities — that provide a steady pipeline of client referrals to franchise locations across the country. The Sodexo corporate infrastructure provides additional competitive advantages including vendor relationships, insurance programs, regulatory compliance support, and technology investments that individual franchisees and smaller franchise systems could never afford independently.

The Comfort Keepers training program prepares franchise owners to build and manage a professional home care organization, with comprehensive instruction covering every aspect of the business from client acquisition to caregiver management to regulatory compliance. The initial training program covers the Interactive Caregiving philosophy, client assessment and care planning, caregiver recruitment and retention strategies, regulatory compliance and licensing requirements specific to each state, sales and marketing techniques for the home care industry, financial management and billing operations, and the technology platforms that power scheduling, caregiver tracking, and client communication. Caregiver recruitment and retention receives particular emphasis because it is the single most critical operational challenge in the home care industry — the demand for quality caregivers far exceeds the supply, and franchisees who excel at attracting, training, and retaining caregivers gain a decisive competitive advantage in their local markets. Ongoing support includes field visits from franchise business consultants, continuing education programs, annual conferences and regional workshops, and access to a national peer network of experienced franchisees who provide mentorship and best-practice sharing. The Sodexo corporate team provides additional support in areas including human resources, legal compliance, quality assurance, and technology development.

The ideal Comfort Keepers franchise owner is a compassionate, community-oriented leader who is driven by the dual motivation of building a profitable business and making a meaningful positive impact on the lives of seniors and their families. Prior experience in healthcare or home care is not required — the training program is designed to prepare franchise owners from any professional background — but candidates should demonstrate strong management and leadership skills, comfort with hiring and managing a large team of hourly workers, the ability to build referral relationships with healthcare professionals and community organizations, and a genuine passion for serving the senior population. The franchise attracts owners from diverse backgrounds including healthcare administration, corporate management, military service, social work, and other professions that develop the empathy, organizational skills, and service orientation that translate directly to success in home care. The relatively low initial investment combined with the massive and growing demand for in-home care services creates an unusually favorable risk-reward profile for franchise candidates who are willing to invest the time and energy required to build a quality care organization.

PeerSense tracks Comfort Keepers franchise performance data including SBA lending activity, unit growth trends, investment benchmarks, and competitive positioning within the home care services sector. With an FPI score of 77 out of 100, Comfort Keepers demonstrates strong lending confidence and enduring market presence that reflects both the quality of the franchise system and the essential-service nature of in-home care in an aging society. Prospective franchisees can use PeerSense to compare Comfort Keepers against other home care franchises, senior services concepts, and healthcare service business models to evaluate the opportunity thoroughly. Whether you are exploring franchise ownership for the first time or expanding an existing portfolio of service businesses, PeerSense provides the data-driven insights and financing connections you need to make an informed investment decision. Explore franchise financing options, review SBA loan data, and connect with lending partners who specialize in franchise acquisitions at PeerSense.com.

FPI Score

77/100

SBA Default Rate

2.2%

Active Lenders

69

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%

3 of 134 loans charged off

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 – $190,700 total

Payment Estimator

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

Estimated Monthly Payment

$1,238

Principal & Interest only

Locations

Comfort Keepersunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Comfort Keepers