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
ComForcare Senior Services
Senior Care · independent · est. —
ComForCare is a non-medical home care franchise providing caregivers for seniors and others who need help with daily living. Franchisees run an office-based agency, hiring and scheduling caregivers for in-home shifts with local clients.
ComForcare Senior Services net unit count grew +5.6% from 2013–2015 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 & steady
Distress
The operating record is solid, but the FDD discloses a bankruptcy history (Item 4) — capped below a full endorsement. The standout in the record: owner turnover is low.
Exit rate · latest year
8.2%
vs 5.6% across 20 senior care systems
Cost to open
$87K–$162K
Item 7 total investment range
SBA loan defaults
5.0%
20 loans resolved — directional only
Market density · California
Dense market
36% denser than the national average
Behind the verdict
the record, factor by factor · Item 20
3-yr trend · Item 20 Table 1
terminations + ceased-ops vs. all exits · Table 3
transfers vs. base · Table 3
actual vs. projected openings · Table 5
Item 19 disclosure + completeness
Systemwide units
2013–2015
Survival record
FDD Item 20 · outlet status by year
In fiscal 2015, 15 of 182 franchised outlets left the system — a 8.2% 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 ↓Hide the evidence ↑
| Status (FTC) | 2013 | 2014 | 2015 |
|---|---|---|---|
| Outlets at start | 161 | 178 | 183 |
| Opened | 23 | 20 | 23 |
| Transfers | 8 | 8 | 5 |
| Terminations | 0 | 0 | 3 |
| Non-renewals | 0 | 1 | 0 |
| Reacquired by franchisor | 0 | 3 | 3 |
| Ceased — other reasons | 6 | 11 | 12 |
| Outlets at end | 178 | 183 | 188 |
| Net change | +17 | +5 | +5 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 22 SBA-backed loans to ComForcare Senior Services franchisees since 2004. Only 20 have resolved so far — too thin for a reliable default rate, but 1 of them charged off.
—
20 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$175,286
what recent franchisees borrowed
51 mo
approval → charge-off, defaulted loans
0 vs 6
distinct banks — pulling back
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 COMFORCARE SENIOR SERVICES BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
Stearns Bank National Association
27.3% of this brand's loans
That lender charges off 11.8% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
Too few identified operators
Does experience help here?
Not enough resolved loans to split
Computed from 22 SBA 7(a)/504 loans to ComForcare Senior Services 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 $48K franchise fee (Item 5) and a total investment of $87K–$162K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$87K–$162K
all-in investment range
Franchise fee (Item 5)
$48K
upfront, one-time
Royalty (Item 6)
5%
of sales, ongoing
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 ComForcare Senior Services with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 3 wage cases against operators of this system, recovering $11K in back wages for 15 workers. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
3
Back wages owed
$11K
Employees affected
15
Since 2020
0
Read this carefully. The employers in these cases are individual ComForcare Senior Services franchisees — separately owned businesses operating under the brand name — not ComForcare Senior Services 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 2014.
Modeled risk
FDD Risk Score · modeled from the public record
Modeled from the public record, this brand looks riskier than 75% of systems we score.
Risk percentile
75 / 100
Loan-corroborated
Modeled SBA charge-off
16.3%
Observed SBA charge-off
5.0%
Top drivers: Share financed by high-loss lenders (raises) · Investment ceiling (log) (raises) · Item 3 litigation (log) (lowers) · Share of buyers who are first-time operators (raises). 15+ resolved loans stand behind this estimate. 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 ComForcare Senior Services. That's a good sign — but it reflects news coverage, not a guarantee.
9 questions to ask a ComForcare Senior Services franchisee
Built from this brand's own disclosures · take it to your validation calls
The franchisor will give you a list of owners to call. Most buyers ask whether they like it. These are the questions built from what ComForcare Senior Services has actually disclosed — each one carries the number it came from, so you can tell whether the answer squares with the record.
- 01
ComForcare Senior Services’ own Item 20 shows 15 of 182 franchised outlets left the system in fiscal 2015 — about 8.2%. Do you know any of those owners, and do you know why they left?
A franchisor will call these “transitions.” An owner three doors down usually knows whether they sold at a profit or handed the keys back.
FDD Item 20 · FY2015
- 02
5 units transferred to new owners in fiscal 2015. When you look at those, were they people cashing out a good business — or getting out of a bad one?
Transfers count as neutral in every ranking. They are the single easiest place to hide distress.
FDD Item 20 · FY2015
- 03
You pay 5.0% royalty on gross sales, plus the ad fund, before any of your own costs. On your actual revenue last year, what did you take home as the owner — not revenue, take-home?
Royalty is charged on sales, not profit. This is the number the brochure never shows and the one your life actually runs on.
FDD Item 6
- 04
ComForcare Senior Services makes an earnings claim in Item 19. Does your unit look like that number — and do you know which units they included to build it?
Item 19 is legal to build from a flattering subset. Ask whether they excluded new units, closed units, or company stores.
FDD Item 19 · 2016
- 05
How many months did it take to cover your own costs, and how much cash did you burn getting there?
Ramp-to-breakeven working capital is the most underestimated line in any franchise purchase, and the most common reason otherwise-good units fail.
Not disclosed in any FDD — ask an owner
- 06
Item 3 discloses 4 legal matters. Do you know what those were about, and were any brought by franchisees?
Franchisee-brought suits over territory, fees or support tell you how the franchisor behaves when there's a disagreement.
FDD Item 3 · 2016
- 07
What does the franchisor charge for that you didn't expect — required tech fees, mandatory remodels, approved-supplier pricing?
Required spending appears across Items 6, 8 and 11 rather than in one place, so buyers routinely miss the total.
FDD Items 6, 8, 11
- 08
If your agreement came up for renewal tomorrow at current terms, would you sign again?
The single most predictive question you can ask. A hesitation is the answer.
Ask every owner you speak to
- 09
Who else should I call — including someone who left?
The franchisor's list is curated by definition. Former franchisees are where the unflattering truth lives, and current owners usually know how to reach them.
Ask every owner you speak to
Want this as a checklist you can take to the calls?
I'll email you the printable version, and tell you if ComForcare Senior Services’ numbers move — a new filing, a rising exit rate, a distress signal. Unsubscribe in one click.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing ComForcare Senior Services's numbers, including talking you out of a bad deal.
This page is what buyers see before they call you for validation. If the record above is wrong — or right in a way the numbers can't show — say so. Corrections are checked against the filings; nothing you write is published with your name unless you agree to it.
ComForcare Senior Services franchise questions, answered from the filings
What percentage of ComForcare Senior Services franchises closed last year?
In ComForcare Senior Services's latest FDD Item 20 (fiscal 2015), 15 of 182 franchised outlets left the system — an annualized exit rate of 8.2% — 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 ComForcare Senior Services franchise cost?
Per ComForcare Senior Services's 2016 FDD, buying in requires an initial franchise fee of $48K (Item 5) and a total initial investment of $87K–$162K (Item 7).
What royalty does ComForcare Senior Services charge?
ComForcare Senior Services charges an ongoing royalty of 5.0% of gross sales, per Item 6 of its 2016 FDD.
Does ComForcare Senior Services disclose earnings (Item 19)?
Yes — ComForcare Senior Services makes a financial performance representation in Item 19 of its 2016 FDD, reporting a median unit volume of $759K. Read it closely: franchisors choose which units and which metrics to include.