SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
HOMEWATCH CAREGIVERS franchise in Texas: what the public record shows
Franchisees of HOMEWATCH CAREGIVERS in Texas have taken 9 SBA loans in the FY1991–present FOIA files (average $337,477). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. HOMEWATCH CAREGIVERS's national ratio is 1.3× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 30 franchised outlets in Texas (fiscal 2025) — about 0.1 per 100k residents.
Loans in TX
9
Charged off (all years)
0 of 3
Loss ratio in TX
—
Loss ratio nationally (not clear)
1.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
5,328
statewide, all operators
Per 100k residents
17
national 17.4
Versus the country
-2%
thinner
Every business in HOMEWATCH CAREGIVERS's industry operating in Texas — 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
$581
Texas, BLS QCEW 2025
National average
$799
same industry, all states
Versus the country
-27%
cheaper to staff
What HOMEWATCH CAREGIVERS's industry actually pays workers in Texas, 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 | 23 | 0 |
| 2024 | 25 | 0 |
| 2025 | 30 | 0 |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Home Instead | 44 | 0 of 27 | — | 41 |
| Visiting Angels | 15 | 0 of 6 | — | — |
| SENIOR HELPERS | 13 | 2 of 4 | — | 25 |
| SYNERGY HOME CARE | 13 | 3 of 11 | — | 59 |
| Right at Home | 12 | 1 of 7 | — | 33 |
| Bee Hive Homes | 11 | 0 of 5 | — | — |
| Comfort Keepers | 9 | 0 of 5 | — | — |
| Firstlight Homecare | 8 | 1 of 3 | — | — |
| NURSE NEXT DOOR | 8 | 2 of 5 | — | — |
| CAREPATROL | 7 | 1 of 1 | — | 19 |
| HOME HELPERS HOME CARE | 7 | 0 of 2 | — | 29 |
| Bright Star Healthcare/Brightstar | 6 | 2 of 5 | — | — |
Other systems in HOMEWATCH CAREGIVERS's sector whose franchisees borrowed in Texas. 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 HOMEWATCH CAREGIVERS’ numbers, including talking you out of a bad deal.