Right at Home startup costs run $128K–$210K for a senior in-home care territory. One of the largest home care franchise networks in the US with 700+ locations, offering both non-medical companion care and skilled nursing care through RN-supervised programs — a differentiator from single-service non-medical-only home care franchises.
Right at Home is a senior in-home care franchise providing both non-medical companion and personal care services and skilled nursing care through RN-supervised programs. Founded in 1995 in Omaha, Nebraska, Right at Home operates more than 700 franchise locations across the US and internationally, making it one of the largest home care franchise networks in the market. The dual-service model — combining the companion care and personal care services common to non-medical franchises with RN-supervised skilled nursing programs — expands the addressable client base beyond the strictly non-medical care segment. The $128K–$210K total investment range is consistent with the office-based home care franchise category: no specialized facility is required, keeping capital requirements lower than retail or facility-dependent concepts.
Right at Home franchisees operate from a leased office, recruiting, training, and managing a team of caregivers and — for skilled nursing services — RN-supervised staff. Core services include companionship, personal care (bathing, grooming, dressing, mobility assistance), meal preparation, light housekeeping, medication reminders, and transportation — supplemented by skilled nursing services for clients with clinical care needs. The dual-service capability enables franchisees to serve a wider range of client acuity levels and capture clients who graduate from companion care to skilled nursing needs over time without changing providers. Corporate provides the CarePath care management platform, training through Right at Home University, national marketing support, and ongoing operational coaching. The aging US population — particularly the 73+ million Baby Boomers — provides a long-term structural demand tailwind for home care services.
Per Right at Home's current Franchise Disclosure Document (FDD), required under the FTC Franchise Rule (16 CFR Part 436), total estimated initial investment runs $128,000–$210,000. Key cost categories include:
Right at Home charges an ongoing royalty of 5% of gross revenue as disclosed in the FDD. National marketing fund contributions apply as detailed in FDD Item 6. For franchisees operating skilled nursing programs, RN supervisor costs are an additional operational expense that non-medical-only franchises do not carry — but the expanded service scope supports higher revenue per client. Review the current FDD for complete fee schedules.
Right at Home is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan eligibility. Common financing paths include:
Right at Home territories typically build client volume over 12–24 months as referral relationships develop with hospital discharge planners, senior living communities, and physicians. Home care is a referral-intensive business — the primary sales activity is establishing and maintaining relationships with case managers, social workers, and healthcare providers who connect clients with home care services. Recurring care relationships mean that once a client is established, they typically generate steady weekly or monthly revenue for extended periods. The dual-service model's expanded acuity range enables Right at Home franchisees to capture higher-revenue skilled nursing clients, improving the revenue-per-client economics versus companion-only models. Most franchisees reach breakeven within 18–30 months.
Right at Home is well suited for operators with a background in healthcare, social work, senior services, or business management. Clinical experience is not required — the RN-supervised skilled nursing component uses licensed staff — but comfort with healthcare environments and a genuine commitment to senior care quality are important. Strong relationship-building and people management skills are critical: the franchise success depends on recruiting and retaining high-quality caregivers and on building referral relationships with healthcare providers. Operators who thrive in a community-facing, service-oriented business with recurring client relationships tend to perform well in this model.
Right at Home is listed on the SBA Franchise Directory. At $128K–$210K, the investment falls within SBA 7(a) Express territory (under $500K threshold) — which offers faster processing and is well suited for office-based, no-facility-required franchise startups. Key underwriting factors lenders evaluate under SBA SOP 50 10 7:
Right at Home's $128K–$210K investment range places it squarely in SBA Express territory (loans under $500K). SBA Express has a streamlined application, 36-hour response time, and requires less documentation than standard SBA 7(a). The primary loan uses — franchise fee ($49.5K), office setup, technology, insurance, and working capital — are all eligible Express uses. Build your application package with the Right at Home FDD Item 7 as your cost documentation anchor.
ClearValue Lending works with senior care franchise operators on SBA and working capital financing for startup and expansion. Apply at Find my match. Your file routes to one matched lender.
Per the current FDD, total estimated initial investment runs $128,000–$210,000. The initial franchise fee is $49,500. The primary cost drivers are the franchise fee, working capital for the initial ramp period, office lease and setup, and insurance.
Right at Home offers both non-medical companion and personal care services AND skilled nursing care through RN-supervised programs. Most competing home care franchises focus exclusively on non-medical services. The dual-service model expands the addressable client base to include clients with clinical care needs, supporting higher revenue per client and the ability to retain clients as their care needs increase.
Home care licensing requirements vary by state. Most states require a home care agency license or home health agency license. Some states require an RN on staff or as a supervisor for skilled care services. Licensing timelines range from 30 days to 6+ months depending on the state — franchisees should research state-specific requirements early in the development process.
Yes. Right at Home is listed on the SBA Franchise Directory. SBA 7(a) lenders can process applications for this franchise system under the streamlined franchise eligibility process.
SBA SOP 50 10 7 requires a global DSCR of 1.25× — projected net operating income covers annual debt service by 125%. For in-home care franchises, lenders model steady-state revenue (once the caregiver and client base is established, typically 12–18 months post-opening) rather than projecting from day one. The working capital reserve in the loan covers the pre-profitability ramp, and the DSCR test applies to stabilized cash flow. Operators should document their caregiver recruiting plan and referral relationships (hospital discharge planners, senior centers, VA contacts) as supporting evidence for the revenue pro forma.
SBA Express (the natural fit for Right at Home's $128K–$210K investment) requires a minimum 10% equity injection — as low as $12.8K–$21K out of pocket. Lenders with in-home care franchise experience often accept the minimum because the asset-light model (no facility, no specialized equipment) reduces collateral risk. The primary collateral for an SBA Express at this level is personal guaranty from all 20%+ owners — the franchise agreement itself is typically pledged as a general intangible.