Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates
Homewatch CareGivers

Homewatch CareGivers

The total investment to open a Homewatch CareGivers franchise ranges from $121,640 to $177,830. The initial franchise fee is $50,000. Ongoing royalties are 5% plus a 1% advertising fee.

What is the Homewatch CareGivers franchise?

When a parent or grandparent can no longer live safely alone, families face difficult care decisions. Adult children may be balancing careers, children, and financial pressure while arranging support. Nursing homes carry a stigma, assisted living can be expensive and impersonal, and institutional staffing limits individualized attention. Providing care at home without professional help can cause caregiver burnout, strained relationships, weaker work performance, and a lower quality of life. In home care helps address this gap by providing personalized assistance in a client's home, although service quality varies widely.

Paul Sauer founded Homewatch CareGivers in 1980 to provide compassionate, personalized care that helps people maintain independence and dignity at home. The company is headquartered in Columbia, Maryland, and has been owned by Authority Brands, LLC since its acquisition in 2017. Homewatch CareGivers has more than 200 franchise territories in the United States and internationally. Its person directed care approach considers each client's preferences, routines, history, and personality. Services include companion care, personal care assistance, programs for Alzheimer's, dementia, Parkinson's, and other chronic conditions, post surgical recovery support, respite care, and care coordination. The company began franchising in 1996 and ranked number 234 in Entrepreneur's Franchise 500 in 2025.

Demand for in home care is being shaped by an aging population and a preference for aging in place. Approximately 10,000 Baby Boomers reach retirement age each day in the United States, and this trend is expected to continue through 2030. The U.S. Census Bureau projects that all Baby Boomers will be over age 65 by 2030, when the 65 plus population is expected to outnumber children under 18 for the first time in American history. Most seniors want to remain at home as long as possible instead of moving to institutional care. Homewatch CareGivers competes through its person directed care model, broad services, training programs, and support from Authority Brands, which provides shared services, best practices, and resources across its home services brands.

The estimated initial investment is approximately $121,640 to $177,830, including the $50,000 franchise fee, office setup, technology systems, initial marketing, insurance, licensing, and working capital. The model does not require a retail storefront, expensive equipment, or inventory. Franchisees operate from an office used for scheduling, care coordination, and caregiver management, while services take place in clients' homes. Franchisees pay an ongoing royalty with a minimum monthly amount that rises gradually during the first five years. Candidates need a minimum net worth of $350,000 and at least $80,000 in liquid capital. Military veterans receive a 30 percent franchise fee discount. Additional discounts are available to minority, women, LGBTQ+, and first responder candidates, along with existing Authority Brands franchisees.

Homewatch CareGivers has approximately 126 franchisees operating more than 224 territories across the United States, with international operations in multiple countries. Each territory is based on a senior population of approximately 35,000 individuals. Territory protection restricts other Homewatch CareGivers franchisees from operating in the designated area. Authority Brands provides shared support in technology, marketing, human resources, and vendor management, along with cross selling opportunities involving other home services franchise systems in its portfolio. Franchisees receive the resources of a larger organization while maintaining a local and community focused business.

No prior healthcare or medical experience is required. New franchisees receive training in person directed care, caregiver recruitment and retention, client assessment and care planning, regulatory compliance, licensing, sales and marketing, financial management, and the proprietary technology used for scheduling, billing, caregiver tracking, and client communication. Recruitment and retention support addresses the workforce challenges facing the home care industry. Ongoing assistance includes field visits from franchise business consultants, national marketing campaigns and materials, annual conferences, regional meetings, and a peer mentorship network connecting new owners with experienced operators.

Candidates should have management and leadership ability, comfort with sales and relationship building, and a genuine interest in serving seniors. The model rewards owners who build referral relationships with healthcare providers, hospital discharge planners, social workers, senior living communities, and other sources that influence care decisions for elderly and disabled clients. Successful franchisees may come from corporate management, healthcare administration, social services, or military careers. These backgrounds can provide organizational ability, empathy, and a service orientation. The initial investment and revenue potential create an entry point for candidates seeking a purpose driven franchise business.

PeerSense tracks Homewatch CareGivers performance data, including SBA lending activity, unit growth trends, investment benchmarks, and competitive positioning in home care services. The brand has a Loan Activity Score of 79 out of 100, reflecting lending confidence and market momentum tied to the franchise system and demand for in home care. Prospective franchisees can compare Homewatch CareGivers with other home care franchises, senior services concepts, and healthcare service businesses. PeerSense provides data driven research and financing connections for buyers evaluating a franchise investment. PeerSense is a commercial capital advisory firm, not a lender.

Loan Activity Score

79/100

SBA Default Rate

11.4%

Active Lenders

33

According to its Franchise Disclosure Document or public business records, Homewatch CareGivers has 55 locations, all owned by franchisees. Public SBA loan records show 33 lenders made 70 loans to franchisees of Homewatch CareGivers. PeerSense calculates Homewatch CareGivers's score as 79 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

Franchising since 1980 · 55 locations

Investment

$121,640 to $177,830

Franchise Fee

$50,000

Total Units

55

55 franchised

Loan Activity Score
Very high
79
SBA Lending
18
Lender Quality
15
Transparency
10
Reach
9
Momentum
27

Proprietary PeerSense metric

Strong
Capital Sources
33SBA lenders

Distinct lenders in public SBA records for Homewatch CareGivers

70

Total SBA loans

$270K

Average loan size

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

Referral fee at closing

SBA Lending Activity for Homewatch CareGivers

Loan Activity Score Breakdown

Established (25 to 99 loans)

Very High Confidence
79out of 100
Strong
Market Momentum27/35

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

Loan Safety18/25

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

Lender Confidence15/15

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

Transparency10/15

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

Footprint9/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

11.4%

vs 3.2% peer avg

SBA Loans

70

Total Volume

$18.9M

Active Lenders

33

10 selective

States

25

vs. SBA Sector Average

-8.2%higher default rate

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

Key Highlights

Item 19 financial data disclosed
Growing lender activity

Data Insights

Key performance metrics for Homewatch CareGivers based on SBA lending data

SBA Default Rate

11.4%

8.2% above peer avg

SBA Loan Volume

70 loans

Across 33 lenders

Lender Diversity

33 lenders

Avg 2.1 loans per lender

Investment Tier

Mid range investment

$121,640 to $177,830 total

Homewatch CareGivers: 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

2025

12 approvals. The best year on record for Homewatch CareGivers.

Top SBA State

California

13 SBA financed Homewatch CareGivers locations, the densest operator footprint.

Average Loan Size

$270K

Median $150K. Use as a sizing anchor when modeling your own Homewatch CareGivers unit.

Lender Concentration

42.9%

Concentrated

Share of Homewatch CareGivers approvals captured by the top 3 SBA lenders.

Homewatch CareGivers's SBA lending pipeline peaked in 2025 (12 approvals). The last five fiscal years account for 53% of cumulative volume ($15M approved). Operator density is highest in California with 13 SBA financed locations. Average funded ticket sits at $270K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 42.9% of approvals. Credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$97K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,259

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

Homewatch CareGivers, unit breakdown

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

Explore Funding for Homewatch CareGivers

Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.

Optional: checking the consent box lets us call or text you about your funding. You can still submit without it.

Referral fee at closing

Or get an instant analysis

Scan Your Deal Instantly

6 FDDs Available for Homewatch CareGivers

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

Homewatch CareGivers

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