SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
HOME HELPERS HOME CARE franchise in California: what the public record shows
Franchisees of HOME HELPERS HOME CARE in California have taken 7 SBA loans in the FY1991–present FOIA files (average $469,714). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. HOME HELPERS HOME CARE's national ratio is 0.3× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 44 franchised outlets in California (fiscal 2025) — about 0.11 per 100k residents.
Loans in CA
7
Charged off (all years)
0 of 3
Loss ratio in CA
—
Loss ratio nationally (not clear)
0.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
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 HOME HELPERS HOME CARE'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 the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). 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 HOME HELPERS HOME CARE'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 cost signal is 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 34 | 0 |
| 2024 | 37 | 0 |
| 2025 | 44 | 0 |
| System | Loans in CA | Charged off (all years) | Loss ratio in CA | Units in CA |
|---|---|---|---|---|
| Home Instead | 56 | 1 of 37 | 0.2×NOT CLEAR | 62 |
| Right at Home | 32 | 0 of 11 | — | 63 |
| SENIOR HELPERS | 18 | 1 of 6 | — | 54 |
| HOMEWATCH CAREGIVERS | 14 | 2 of 5 | — | 34 |
| Interim Healthcare | 14 | 0 of 8 | — | 22 |
| Comfort Keepers | 12 | 0 of 4 | — | — |
| Amada Senior Care | 11 | 0 of 1 | — | 41 |
| NURSE NEXT DOOR | 10 | 2 of 5 | — | — |
| SYNERGY HOME CARE | 9 | 0 of 2 | — | 76 |
| Visiting Angels | 9 | 0 of 6 | — | — |
| Firstlight Homecare | 8 | 1 of 2 | — | — |
| Bright Star Healthcare/Brightstar | 7 | 0 of 5 | — | — |
Other systems in HOME HELPERS HOME CARE's sector whose franchisees borrowed in California. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing HOME HELPERS HOME CARE’s numbers, including talking you out of a bad deal.