FRANCHISE·WATCH·DESK

SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS

SYNERGY HOME CARE franchise in Texas: what the public record shows

Franchisees of SYNERGY HOME CARE in Texas have taken 13 SBA loans since 1991 (average $149,276), and of the 11 loans whose story has ended, 27.3% were charged off — versus 9.5% for SYNERGY HOME CARE nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 59 franchised outlets in Texas (fiscal 2025) — about 0.19 per 100k residents.

SBA loan outcomes · Texasvs national

Loans in TX

13

Resolved

11

Local charge-off

27.3%

National charge-off

9.5%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.

Market density · Texas vs nationalTypical density

Businesses in this industry

5,328

statewide, all operators

Per 100k residents

17

national 17.4

Versus the country

-2%

thinner

Every business in SYNERGY HOME CARE's industry operating in Texas — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.

Franchised outlets in Texas · FDD Item 20-2 over the disclosed window
Fiscal yearFranchisedCompany-owned
2023610
2024610
2025590
Same-sector systems with SBA loan history in Texas9 systems
SystemLoans in TXLocal charge-offUnits in TX
Visiting Angels15thin
SENIOR HELPERS13thin25
Bee Hive Homes11thin
Comfort Keepers9thin
Firstlight Homecare8thin
NURSE NEXT DOOR8thin
HOME HELPERS HOME CARE7thin29
Bright Star Healthcare/Brightstar6thin
OASIS SENIOR ADVISORS5thin8

Same sector, same state, same public records — how SYNERGY HOME CARE compares to the systems a buyer in Texas would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.

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