FRANCHISE·WATCH·DESK

Verified — real FDD extraction

Not found in the SBA Franchise Directory under this name — though SBA loans to its franchisees exist; verify eligibility with your lender

Amada Senior Care

Senior Care · independent · est. —

Amada Senior Care is a non-medical in-home care provider helping seniors with daily activities such as bathing, meals, and companionship, and also advises families on long-term care insurance and senior housing. Care is delivered in the client's home. A franchisee runs a local agency staffing caregivers and coordinating services.

Amada Senior Care net unit count grew +77.3% from 20212025 per its FDD Item 20.

New to franchising? Start here

A franchise is a business where you (the franchisee) pay a company (the franchisor) for the right to open and run a location using their brand and system — think a local Anytime Fitness or Taco John's owned by a small-business owner, not the corporation.

Before you can buy in, U.S. law requires the franchisor to give you a Franchise Disclosure Document (FDD) — a long legal filing covering its fees, finances, and history. The numbers on this page come straight from that document:

  • Franchise fee — the one-time cost to buy in.
  • Royalty — the ongoing cut of your sales you pay the franchisor.
  • Item 20 — how many locations opened and closed, the basis for our verdict (from Proven & strong down to Distressed — or Too new to judge).

The verdict

Proven & strong

Distress

0
STABLE

Enough units and history to judge, and the record is good: growing or stable units with clean exits by the standards of its disclosed record. The standout in the record: the system is growing.

Exit rate · latest year

5.6%

vs 5.6% across 20 senior care systems

Cost to open

$122K–$438K

Item 7 total investment range

SBA loan defaults

Too few resolved

41 loans exist; too few resolved to rate

Behind the verdict

the record, factor by factor · Item 20

hi-1.0.0
Net unit growth35%

3-yr trend · Item 20 Table 1

Strong
Exit quality25%

terminations + ceased-ops vs. all exits · Table 3

Fair
Transfer / churn15%

transfers vs. base · Table 3

Strong
Promise-keeping10%

actual vs. projected openings · Table 5

Strong
Transparency15%

Item 19 disclosure + completeness

Strong

Systemwide units

2021–2025

+77.3%
15020211612022177202320220242662025

Survival record

FDD Item 20 · outlet status by year

In fiscal 2025, 11 of 196 franchised outlets left the system — a 5.6% annualized exit rate, vs 5.6% across 20 senior care systems. Not every exit is a failure — but this is the measurable floor.

Show the outlet tables
Status (FTC)20212022202320242025
Outlets at start137150161177202
Opened2213262883
Transfers75257
Terminations20119
Non-renewals00001
Reacquired by franchisor00047
Ceased — other reasons72931
Outlets at end150161177202266
Net change+13+11+16+25+64

The lender's view

SBA 7(a)/504 loan performance · FY1991–present

Banks have made 41 SBA-backed loans to Amada Senior Care franchisees since 2018. Most are still open, so there is not yet a resolved cohort large enough to rate.

Charge-off rate

6 resolved · too thin to rate

Loss given default

avg. charged-off $ ÷ approved $

Expected loss

default rate × loss severity

Avg. loan · FY2020+

$368,835

what recent franchisees borrowed

Median time to default

approval → charge-off, defaulted loans

Lenders · FY21+ vs FY16–20

15 vs 6

distinct banks still lending

Charge-off rate by loan approval year (%)

Loan performance by state

SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO AMADA SENIOR CARE BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL

The owner's side of the deal

FDD × federal loan record

Manageable debt load

A typical Amada Senior Care buyer since 2020 borrowed $369K through SBA — about $52K a year in debt service. Against the brand's own disclosed median unit revenue of $1.2M, that is 4.2% of every dollar the store takes in — before rent, payroll, food, or royalty.

Who finances it

United Midwest Savings Bank National Association

20.5% of this brand's loans

That lender charges off 35.2% of its loans to other franchise brands, vs 14.8% nationally.

Who buys it

74.2%

first-time franchise owners

The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.

Does experience help here?

Not enough resolved loans to split

Computed from 41 SBA 7(a)/504 loans to Amada Senior Care franchisees joined to the brand's own FDD. Debt service assumes level amortization at the average disclosed term and rate. A lender's rate excludes its loans to this brand, so it reads the lender, not the brand.

What it costs — and what it drags

FDD Items 5–7 · fees, investment, royalty

Buying in means a $57K franchise fee (Item 5) and a total investment of $122K–$438K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.

To open (Item 7)

$122K–$438K

all-in investment range

Franchise fee (Item 5)

$57K

upfront, one-time

Royalty (Item 6)

5%

of sales, ongoing

If a unit does this in annual sales…$1M/yr

Your figure — cross-check against this brand's Item 19 and current-owner validation.

Royalty you'd pay / yr

$50K

5% of sales, before profit

Over a 10-yr term

$500K

royalties alone, excl. ad fund

This is not profit. It's the only money the FDD actually pins down — what you put in, and the royalty you owe on every dollar of sales. Your real take-home depends on labor, rent, food cost, and ramp-to-breakeven, none of which any FDD discloses.

Build a real pro-forma for Amada Senior Care with an independent CPA

Labor record

US Dept. of Labor enforcement · franchisee-level · FY2005–present

Federal investigators have concluded 6 wage cases against operators of this system, recovering $182K in back wages for 180 workers. Some of these cases are recent, not ancient history. These cases name franchisee-owned locations, not the franchisor itself.

Concluded cases

6

Back wages owed

$182K

Employees affected

180

Since 2020

3

Read this carefully. The employers in these cases are individual Amada Senior Care franchisees — separately owned businesses operating under the brand name — not Amada Senior Care itself. The franchisor is not the respondent and in most cases is not a party. What the record shows is how this system's operators run their payrolls, which is worth knowing before you become one of them. Counts rise with system size and with age: a 20-year-old, 10,000-unit system will out-count a young one regardless of conduct. Source: DOL Wage and Hour Division concluded compliance actions, FY2005–present, most recent finding 2025.

Modeled risk

FDD Risk Score · modeled from the public record

Moderate

The public record puts this brand toward the middle of the systems we score — but the evidence is thin, so treat it as a range, not a number.

Risk percentile (range)

31–55 / 100

Directional

Modeled SBA charge-off

11.6%

Observed SBA charge-off

0.0%

Top drivers: Share financed by high-loss lenders (raises) · Net unit growth (lowers) · Item 3 litigation (log) (lowers) · System size (log units) (lowers). Thin loan history — treat this as a range, not a number. A linear scorecard built from this brand's own disclosure figures plus the federal loan record behind its franchisees; full spec and cross-validated accuracy on the methodology page. A score is context, not a verdict.

Distress signals

news-sourced · bankruptcies, closures, lawsuits

No recent closures, bankruptcies, or major lawsuits found in the news for Amada Senior Care. That's a good sign — but it reflects news coverage, not a guarantee.

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Amada Senior Care franchise questions, answered from the filings

What percentage of Amada Senior Care franchises closed last year?

In Amada Senior Care's latest FDD Item 20 (fiscal 2025), 11 of 196 franchised outlets left the system — an annualized exit rate of 5.6% — compared with 5.6% across 20 senior care systems tracked here. That counts terminations, non-renewals, and "ceased operations — other reasons." There is no official failure rate, and not every exit is a failure, but this is the measurable floor.

How much does a Amada Senior Care franchise cost?

Per Amada Senior Care's 2026 FDD, buying in requires an initial franchise fee of $57K (Item 5) and a total initial investment of $122K–$438K (Item 7).

What royalty does Amada Senior Care charge?

Amada Senior Care charges an ongoing royalty of 5.0% of gross sales, per Item 6 of its 2026 FDD.

Does Amada Senior Care disclose earnings (Item 19)?

Yes — Amada Senior Care makes a financial performance representation in Item 19 of its 2026 FDD, reporting a median unit volume of $1.2M. Read it closely: franchisors choose which units and which metrics to include.

Is Amada Senior Care a good franchise to buy? Health score, exit rate & costs (2026) · Franchise Watch Desk