Verified — real FDD extraction
Not found in the SBA Franchise Directory under this name — though SBA loans to its franchisees exist; verify eligibility with your lender
Amada Senior Care
Senior Care · independent · est. —
Amada Senior Care is a non-medical in-home care provider helping seniors with daily activities such as bathing, meals, and companionship, and also advises families on long-term care insurance and senior housing. Care is delivered in the client's home. A franchisee runs a local agency staffing caregivers and coordinating services.
Amada Senior Care net unit count grew +77.3% from 2021–2025 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
5.6%
vs 5.6% across 20 senior care systems
Cost to open
$122K–$438K
Item 7 total investment range
SBA loan defaults
Too few resolved
41 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
2021–2025
Survival record
FDD Item 20 · outlet status by year
In fiscal 2025, 11 of 196 franchised outlets left the system — a 5.6% 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) | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Outlets at start | 137 | 150 | 161 | 177 | 202 |
| Opened | 22 | 13 | 26 | 28 | 83 |
| Transfers | 7 | 5 | 2 | 5 | 7 |
| Terminations | 2 | 0 | 1 | 1 | 9 |
| Non-renewals | 0 | 0 | 0 | 0 | 1 |
| Reacquired by franchisor | 0 | 0 | 0 | 4 | 7 |
| Ceased — other reasons | 7 | 2 | 9 | 3 | 1 |
| Outlets at end | 150 | 161 | 177 | 202 | 266 |
| Net change | +13 | +11 | +16 | +25 | +64 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 41 SBA-backed loans to Amada Senior Care franchisees since 2018. Most are still open, so there is not yet a resolved cohort large enough to rate.
—
6 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$368,835
what recent franchisees borrowed
—
approval → charge-off, defaulted loans
15 vs 6
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 AMADA SENIOR CARE BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
A typical Amada Senior Care buyer since 2020 borrowed $369K through SBA — about $52K a year in debt service. Against the brand's own disclosed median unit revenue of $1.2M, that is 4.2% of every dollar the store takes in — before rent, payroll, food, or royalty.
Who finances it
United Midwest Savings Bank National Association
20.5% of this brand's loans
That lender charges off 35.2% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
74.2%
first-time franchise owners
The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.
Does experience help here?
Not enough resolved loans to split
Computed from 41 SBA 7(a)/504 loans to Amada Senior Care 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 $57K franchise fee (Item 5) and a total investment of $122K–$438K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$122K–$438K
all-in investment range
Franchise fee (Item 5)
$57K
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 Amada Senior Care with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 6 wage cases against operators of this system, recovering $182K in back wages for 180 workers. Some of these cases are recent, not ancient history. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
6
Back wages owed
$182K
Employees affected
180
Since 2020
3
Read this carefully. The employers in these cases are individual Amada Senior Care franchisees — separately owned businesses operating under the brand name — not Amada Senior Care itself. The franchisor is not the respondent and in most cases is not a party. What the record shows is how this system's operators run their payrolls, which is worth knowing before you become one of them. Counts rise with system size and with age: a 20-year-old, 10,000-unit system will out-count a young one regardless of conduct. Source: DOL Wage and Hour Division concluded compliance actions, FY2005–present, most recent finding 2025.
Modeled 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)
31–55 / 100
Directional
Modeled SBA charge-off
11.6%
Observed SBA charge-off
0.0%
Top drivers: Share financed by high-loss lenders (raises) · Net unit growth (lowers) · Item 3 litigation (log) (lowers) · System size (log units) (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 Amada Senior Care. 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 Amada Senior Care's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →Amada Senior Care franchise questions, answered from the filings
What percentage of Amada Senior Care franchises closed last year?
In Amada Senior Care's latest FDD Item 20 (fiscal 2025), 11 of 196 franchised outlets left the system — an annualized exit rate of 5.6% — 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 Amada Senior Care franchise cost?
Per Amada Senior Care's 2026 FDD, buying in requires an initial franchise fee of $57K (Item 5) and a total initial investment of $122K–$438K (Item 7).
What royalty does Amada Senior Care charge?
Amada Senior Care charges an ongoing royalty of 5.0% of gross sales, per Item 6 of its 2026 FDD.
Does Amada Senior Care disclose earnings (Item 19)?
Yes — Amada Senior Care makes a financial performance representation in Item 19 of its 2026 FDD, reporting a median unit volume of $1.2M. Read it closely: franchisors choose which units and which metrics to include.