SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Home Instead franchise in Massachusetts: what the public record shows
Franchisees of Home Instead in Massachusetts have taken 23 SBA loans since 1991 (average $544,386), and of the 16 loans whose story has ended, 0.0% were charged off — versus 1.8% for Home Instead nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 17 franchised outlets in Massachusetts (fiscal 2025) — about 0.24 per 100k residents.
Loans in MA
23
Resolved
16
Local charge-off
0.0%
National charge-off
1.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 16 | — |
| 2024 | 16 | — |
| 2025 | 17 | — |
| System | Loans in MA | Local charge-off | Units in MA |
|---|---|---|---|
| Subway | 186 | 12.2% | 257 |
| EDIBLE ARRANGEMENTS | 26 | 0.0% | 24 |
| Minuteman Press | 24 | 5.0% | — |
| Signarama | 18 | 18.2% | — |
| CERTA PROPAINTERS | 15 | 18.2% | 13 |
| ECONO LODGE | 13 | thin | 5 |
| Taylor Rental Center | 13 | 0.0% | — |
| CRUMBL | 12 | thin | 21 |
| Right at Home | 12 | 0.0% | 13 |
| DAIRY QUEEN | 11 | thin | — |
| JERSEY MIKE'S | 11 | thin | 56 |
| Matco Tools | 11 | thin | — |
Same sector, same state, same public records — how Home Instead compares to the systems a buyer in Massachusetts 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 Home Instead's numbers, including talking you out of a bad deal.