Verified — real FDD extraction
SBA-eligible · directory code S1212 since 2017
OASIS SENIOR ADVISORS
Senior Care · independent · est. —
Oasis Senior Advisors is a senior-placement service that helps families find assisted living, memory care, and other senior housing options. A franchisee runs a home-based advisory business, meeting with seniors and their families, touring communities with them, and earning referral fees from the communities where clients move in.
OASIS SENIOR ADVISORS net unit count grew +28.1% from 2023–2025 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 & strong
Distress
Enough units and history to judge, and the record is good: growing or stable units with clean exits by the standards of its disclosed record. The standout in the record: the system is growing.
Exit rate · latest year
4.3%
vs 5.6% across 20 senior care systems
Cost to open
$63K–$109K
Item 7 total investment range
SBA loan defaults
Too few resolved
27 loans exist; too few resolved to rate
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
2023–2025
Survival record
FDD Item 20 · outlet status by year
In fiscal 2025, 5 of 115 franchised outlets left the system — a 4.3% 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) | 2023 | 2024 | 2025 |
|---|---|---|---|
| Outlets at start | 114 | 128 | 141 |
| Opened | 15 | 18 | 27 |
| Transfers | 4 | 4 | 1 |
| Terminations | 0 | 1 | 2 |
| Non-renewals | 0 | 0 | 0 |
| Reacquired by franchisor | 14 | 5 | 0 |
| Ceased — other reasons | 6 | 5 | 3 |
| Outlets at end | 128 | 141 | 164 |
| Net change | +14 | +13 | +23 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 27 SBA-backed loans to OASIS SENIOR ADVISORS franchisees since 2016. Most are still open, so there is not yet a resolved cohort large enough to rate.
—
8 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$184,588
what recent franchisees borrowed
31 mo
approval → charge-off, defaulted loans
7 vs 4
distinct banks still lending
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 OASIS SENIOR ADVISORS BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
United Midwest Savings Bank National Association
48.1% of this brand's loans
That lender charges off 35.0% 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 27 SBA 7(a)/504 loans to OASIS SENIOR ADVISORS 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 $40K franchise fee (Item 5) and a total investment of $63K–$109K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$63K–$109K
all-in investment range
Franchise fee (Item 5)
$40K
upfront, one-time
Royalty (Item 6)
10%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$100K
10% of sales, before profit
Over a 10-yr term
$1M
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 OASIS SENIOR ADVISORS with an independent CPAModeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the riskier end of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
81–100 / 100
Directional
Modeled SBA charge-off
22.5%
Observed SBA charge-off
25.0%
Top drivers: Share financed by high-loss lenders (raises) · Investment ceiling (log) (raises) · Single-lender dependence (lowers) · Net unit growth (lowers). Thin loan history — treat this as a range, not a number. 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 OASIS SENIOR ADVISORS. That's a good sign — but it reflects news coverage, not a guarantee.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing OASIS SENIOR ADVISORS's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →OASIS SENIOR ADVISORS franchise questions, answered from the filings
What percentage of OASIS SENIOR ADVISORS franchises closed last year?
In OASIS SENIOR ADVISORS's latest FDD Item 20 (fiscal 2025), 5 of 115 franchised outlets left the system — an annualized exit rate of 4.3% — 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 OASIS SENIOR ADVISORS franchise cost?
Per OASIS SENIOR ADVISORS's 2026 FDD, buying in requires an initial franchise fee of $40K (Item 5) and a total initial investment of $63K–$109K (Item 7).
What royalty does OASIS SENIOR ADVISORS charge?
OASIS SENIOR ADVISORS charges an ongoing royalty of 10.0% of gross sales, per Item 6 of its 2026 FDD.
Does OASIS SENIOR ADVISORS disclose earnings (Item 19)?
Yes — OASIS SENIOR ADVISORS makes a financial performance representation in Item 19 of its 2026 FDD. Read it closely: franchisors choose which units and which metrics to include.