SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
Visiting Angels franchise in Florida: what the public record shows
Franchisees of Visiting Angels in Florida have taken 7 SBA loans in the FY1991–present FOIA files (average $496,428). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Visiting Angels's national ratio is 0.1×.
Loans in FL
7
Charged off (all years)
0 of 2
Loss ratio in FL
—
Loss ratio nationally
0.1×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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
4,867
statewide, all operators
Per 100k residents
20.8
national 17.4
Versus the country
+20%
denser
Every business in Visiting Angels's industry operating in Florida — 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
$925
Florida, BLS QCEW 2025
National average
$799
same industry, all states
Versus the country
+16%
costlier to staff
What Visiting Angels's industry actually pays workers in Florida, 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.
| System | Loans in FL | Charged off (all years) | Loss ratio in FL | Units in FL |
|---|---|---|---|---|
| Home Instead | 31 | 0 of 18 | — | 38 |
| Right at Home | 13 | 0 of 7 | — | 37 |
| SYNERGY HOME CARE | 12 | 0 of 3 | — | 67 |
| Bright Star Healthcare/Brightstar | 10 | 1 of 4 | — | — |
| Comfort Keepers | 10 | 1 of 6 | — | — |
| HOME HELPERS HOME CARE | 9 | 0 of 3 | — | 27 |
| SENIOR HELPERS | 9 | 0 of 4 | — | 33 |
| ASSISTING HANDS (UNIT) | 8 | 0 of 3 | — | 53 |
| Firstlight Homecare | 8 | 1 of 4 | — | — |
| NURSE NEXT DOOR | 7 | 1 of 3 | — | — |
| HOMEWATCH CAREGIVERS | 5 | 1 of 2 | — | 18 |
| Interim Healthcare | 5 | 1 of 3 | — | 13 |
Other systems in Visiting Angels's sector whose franchisees borrowed in Florida. 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 Visiting Angels’ numbers, including talking you out of a bad deal.