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
ComForcare Senior Services
Senior Care · independent · est. —
ComForCare is a non-medical home care franchise providing caregivers for seniors and others who need help with daily living. Franchisees run an office-based agency, hiring and scheduling caregivers for in-home shifts with local clients.
ComForcare Senior Services net unit count grew +5.6% from 2013–2015 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 & steady
Distress
The operating record is solid, but the FDD discloses a bankruptcy history (Item 4) — capped below a full endorsement. The standout in the record: owner turnover is low.
Exit rate · latest year
8.2%
vs 5.6% across 20 senior care systems
Cost to open
$87K–$162K
Item 7 total investment range
SBA loan defaults
5.0%
20 loans resolved — directional only
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
2013–2015
Survival record
FDD Item 20 · outlet status by year
In fiscal 2015, 15 of 182 franchised outlets left the system — a 8.2% 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) | 2013 | 2014 | 2015 |
|---|---|---|---|
| Outlets at start | 161 | 178 | 183 |
| Opened | 23 | 20 | 23 |
| Transfers | 8 | 8 | 5 |
| Terminations | 0 | 0 | 3 |
| Non-renewals | 0 | 1 | 0 |
| Reacquired by franchisor | 0 | 3 | 3 |
| Ceased — other reasons | 6 | 11 | 12 |
| Outlets at end | 178 | 183 | 188 |
| Net change | +17 | +5 | +5 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 22 SBA-backed loans to ComForcare Senior Services franchisees since 2004. Only 20 have resolved so far — too thin for a reliable default rate, but 1 of them charged off.
—
20 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$175,286
what recent franchisees borrowed
51 mo
approval → charge-off, defaulted loans
0 vs 6
distinct banks — pulling back
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 COMFORCARE SENIOR SERVICES BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
Stearns Bank National Association
27.3% of this brand's loans
That lender charges off 11.8% 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 22 SBA 7(a)/504 loans to ComForcare Senior Services 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 $48K franchise fee (Item 5) and a total investment of $87K–$162K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$87K–$162K
all-in investment range
Franchise fee (Item 5)
$48K
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 ComForcare Senior Services with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 3 wage cases against operators of this system, recovering $11K in back wages for 15 workers. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
3
Back wages owed
$11K
Employees affected
15
Since 2020
0
Read this carefully. The employers in these cases are individual ComForcare Senior Services franchisees — separately owned businesses operating under the brand name — not ComForcare Senior Services 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 2014.
Modeled risk
FDD Risk Score · modeled from the public record
Modeled from the public record, this brand looks riskier than 75% of systems we score.
Risk percentile
75 / 100
Loan-corroborated
Modeled SBA charge-off
16.3%
Observed SBA charge-off
5.0%
Top drivers: Share financed by high-loss lenders (raises) · Investment ceiling (log) (raises) · Item 3 litigation (log) (lowers) · Share of buyers who are first-time operators (raises). 15+ resolved loans stand behind this estimate. 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 ComForcare Senior Services. 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 ComForcare Senior Services's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →ComForcare Senior Services franchise questions, answered from the filings
What percentage of ComForcare Senior Services franchises closed last year?
In ComForcare Senior Services's latest FDD Item 20 (fiscal 2015), 15 of 182 franchised outlets left the system — an annualized exit rate of 8.2% — 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 ComForcare Senior Services franchise cost?
Per ComForcare Senior Services's 2016 FDD, buying in requires an initial franchise fee of $48K (Item 5) and a total initial investment of $87K–$162K (Item 7).
What royalty does ComForcare Senior Services charge?
ComForcare Senior Services charges an ongoing royalty of 5.0% of gross sales, per Item 6 of its 2016 FDD.
Does ComForcare Senior Services disclose earnings (Item 19)?
Yes — ComForcare Senior Services makes a financial performance representation in Item 19 of its 2016 FDD, reporting a median unit volume of $759K. Read it closely: franchisors choose which units and which metrics to include.