Verified — real FDD extraction
SBA-eligible · directory code S4702 since 2019
ONE YOU LOVE HOMECARE
Other · independent · est. —
One You Love Homecare is a non-medical in-home care company providing companionship, personal care, and daily-living assistance to seniors. A franchisee runs an office-based agency that recruits and schedules caregivers, serving elderly clients and their families in a local territory.
ONE YOU LOVE HOMECARE net unit count grew +38.9% 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
Too new to judge
Distress
24 franchised units over 3 disclosed years is not a track record — systems this early have realized only a fraction of their eventual failures. Judge the disclosures, not a verdict.
Exit rate · latest year
7.1%
fiscal 2025, per Item 20
Cost to open
$95K–$171K
Item 7 total investment range
SBA loan defaults
Too few resolved
15 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, 1 of 14 franchised outlets left the system — a 7.1% annualized exit rate. 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 | 15 | 18 | 15 |
| Opened | 3 | 1 | 11 |
| Transfers | 1 | 3 | 0 |
| Terminations | 0 | 0 | 0 |
| Non-renewals | 0 | 0 | 0 |
| Reacquired by franchisor | 0 | 0 | 0 |
| Ceased — other reasons | 0 | 4 | 1 |
| Outlets at end | 18 | 15 | 25 |
| Net change | +3 | -3 | +10 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 15 SBA-backed loans to ONE YOU LOVE HOMECARE franchisees since 2020. Most are still open, so there is not yet a resolved cohort large enough to rate.
—
3 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$141,140
what recent franchisees borrowed
—
approval → charge-off, defaulted loans
6 vs 1
distinct banks still lending
Charge-off rate by loan approval year (%)
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO ONE YOU LOVE HOMECARE BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a $50K franchise fee (Item 5) and a total investment of $95K–$171K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$95K–$171K
all-in investment range
Franchise fee (Item 5)
$50K
upfront, one-time
Royalty (Item 6)
5%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$50K
5% of sales, before profit
Over a 10-yr term
$500K
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 ONE YOU LOVE HOMECARE with an independent CPAModeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the middle of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
41–65 / 100
Directional
Modeled SBA charge-off
13.1%
Observed SBA charge-off
no resolved cohort
Top drivers: Net unit growth (lowers) · System size (log units) (raises) · Investment ceiling (log) (raises) · Item 3 litigation (log) (raises). 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 ONE YOU LOVE HOMECARE. 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 ONE YOU LOVE HOMECARE's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →ONE YOU LOVE HOMECARE franchise questions, answered from the filings
What percentage of ONE YOU LOVE HOMECARE franchises closed last year?
In ONE YOU LOVE HOMECARE's latest FDD Item 20 (fiscal 2025), 1 of 14 franchised outlets left the system — an annualized exit rate of 7.1%. 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 ONE YOU LOVE HOMECARE franchise cost?
Per ONE YOU LOVE HOMECARE's 2026 FDD, buying in requires an initial franchise fee of $50K (Item 5) and a total initial investment of $95K–$171K (Item 7).
What royalty does ONE YOU LOVE HOMECARE charge?
ONE YOU LOVE HOMECARE charges an ongoing royalty of 5.0% of gross sales, per Item 6 of its 2026 FDD.
Does ONE YOU LOVE HOMECARE disclose earnings (Item 19)?
Yes — ONE YOU LOVE HOMECARE makes a financial performance representation in Item 19 of its 2026 FDD. Read it closely: franchisors choose which units and which metrics to include.