SBA 7(a)/504 FOIA · FY1991–PRESENT · ILLINOIS
Right at Home franchise in Illinois: what the public record shows
Franchisees of Right at Home in Illinois have taken 9 SBA loans in the FY1991–present FOIA files (average $384,366). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Right at Home's national ratio is 0.3×. Its latest FDD Item 20 state table reports 17 franchised outlets in Illinois (fiscal 2018) — about 0.13 per 100k residents.
Loans in IL
9
Charged off (all years)
0 of 7
Loss ratio in IL
—
Loss ratio nationally
0.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = IL. 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
1,545
statewide, all operators
Per 100k residents
12.2
national 17.4
Versus the country
-30%
thinner
Every business in Right at Home's industry operating in Illinois — 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
$704
Illinois, BLS QCEW 2025
National average
$799
same industry, all states
Versus the country
-12%
cheaper to staff
What Right at Home's industry actually pays workers in Illinois, 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 |
|---|---|---|
| 2013 | 13 | — |
| 2014 | 15 | — |
| 2015 | 15 | — |
| 2016 | 17 | 0 |
| 2017 | 17 | 0 |
| 2018 | 17 | 0 |
| System | Loans in IL | Charged off (all years) | Loss ratio in IL | Units in IL |
|---|---|---|---|---|
| HOME HELPERS HOME CARE | 9 | 0 of 4 | — | 16 |
| Home Instead | 9 | 0 of 7 | — | 24 |
| Visiting Angels | 8 | 0 of 5 | — | — |
| Comfort Keepers | 5 | 0 of 3 | — | — |
Other systems in Right at Home's sector whose franchisees borrowed in Illinois. 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 Right at Home’s numbers, including talking you out of a bad deal.