SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Comfort Keepers franchise in California: what the public record shows
Franchisees of Comfort Keepers in California have taken 12 SBA loans since 1991 (average $653,308)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 3.4% is the better guide.
Loans in CA
12
Resolved
4
Local charge-off
thin
National charge-off
3.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
9,297
statewide, all operators
Per 100k residents
23.6
national 17.4
Versus the country
+36%
denser
Every business in Comfort Keepers's industry operating in California — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$916
California, BLS QCEW 2025
National average
$799
same industry, all states
Versus the country
+15%
costlier to staff
What Comfort Keepers's industry actually pays workers in California, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in CA | Local charge-off | Units in CA |
|---|---|---|---|
| SENIOR HELPERS | 18 | thin | 54 |
| Amada Senior Care | 11 | thin | 41 |
| NURSE NEXT DOOR | 10 | thin | — |
| SYNERGY HOME CARE | 9 | thin | 76 |
| Visiting Angels | 9 | thin | — |
| Firstlight Homecare | 8 | thin | — |
| Bright Star Healthcare/Brightstar | 7 | thin | — |
| HOME HELPERS HOME CARE | 7 | thin | 44 |
| ComForcare Senior Services | 5 | thin | 23 |
Same sector, same state, same public records — how Comfort Keepers compares to the systems a buyer in California would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing Comfort Keepers's numbers, including talking you out of a bad deal.