Visiting Angels franchise startup costs run $83K–$120K for a non-medical senior home care territory. The brand operates approximately 600 territories and is among the most recognized names in home care franchising, with aging-population demographics providing long-term demand tailwinds.
Visiting Angels is a non-medical home care franchise providing companionship, personal care, and homemaker services to seniors and adults with disabilities in their own homes. Founded in 1998 in Haverford, Pennsylvania, Visiting Angels has grown to approximately 600 franchise territories across the US, making it one of the most recognized names in home care franchising. The business model is service-based and office-centric — franchisees operate from a leased office space, hiring and managing a team of caregivers who deliver services directly in clients' homes. There is no physical storefront or specialized facility required, keeping initial investment and real estate costs low relative to facility-based franchise concepts. The aging US population — the Baby Boomer cohort reaching peak care-need age — provides a significant long-term demographic tailwind for non-medical home care. Recurring care relationships, rather than one-time transactions, mean established territories generate relatively predictable recurring revenue streams.
Per the current FDD, total estimated initial investment for a Visiting Angels franchise runs $83,000–$120,000. The service-based, office-operated model keeps capital requirements substantially lower than facility or food-service concepts:
Visiting Angels uses a declining royalty tier structure: franchisees pay 5% on the first $600,000 in annual gross revenue, then 3.5% on revenue above that threshold. There is no advertising fund contribution — Visiting Angels does not charge a separate national ad fund fee, which meaningfully reduces the ongoing fee burden compared to most franchise systems. Marketing support is provided through the franchise system rather than funded by a royalty surcharge. For a franchise with recurring revenue characteristics, the declining royalty structure rewards scale — as territory revenue grows, the effective royalty rate decreases.
Visiting Angels requires prospective franchisees to demonstrate net worth of $100,000 or more and liquid capital of $60,000 or more. These are among the lowest financial thresholds in franchise concepts at this investment level — the service-based model limits capital risk compared to real estate or facility-dependent concepts. Visiting Angels evaluates candidates on people management aptitude, sales and business development orientation, and commitment to senior care. Healthcare or social services experience is helpful but not required.
Visiting Angels is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan processing. Common financing paths:
Visiting Angels is on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan eligibility. At $83K–$120K, SBA 7(a) and SBA Microloans are both viable. Underwriters evaluate:
Most Visiting Angels deals are SBA 7(a) term loans at 10-year terms covering franchise fee + office setup + technology + insurance + working capital. After 10% equity injection at the $83K–$120K range, loan amounts run $75K–$108K. SBA Microloans (up to $50K through nonprofit intermediaries) are viable for the lower end of the range. A separate working capital line of credit to manage the payroll-to-billing float gap is strongly recommended regardless of the primary loan structure.
ClearValue Lending works with home care and senior care franchise operators on SBA and working capital financing structures. Apply at Find my match. Your file routes to one matched lender.
Per the current FDD, total estimated initial investment runs $83,000–$120,000 — the franchise fee of $45,000 represents the largest single cost component. The service-based model keeps startup capital requirements low relative to most franchise concepts.
Visiting Angels provides non-medical home care — companionship, personal care assistance (bathing, grooming, dressing), meal preparation, light housekeeping, medication reminders, and transportation for seniors and adults with disabilities in their own homes. Medical services requiring licensed healthcare professionals are not included.
Visiting Angels uses declining royalty tiers: 5% on the first $600,000 in annual gross revenue, then 3.5% on revenue above that threshold. There is no separate advertising fund contribution.
Home care franchises pay caregivers weekly or bi-weekly but typically invoice clients monthly. This creates a cash flow float gap — money owed by clients hasn't arrived yet when caregiver payroll is due. A working capital line of credit bridges this gap as the territory scales.
Yes. Visiting Angels is on the SBA Franchise Directory. SBA 7(a) covers franchise fee, startup costs, and working capital. SBA Microloans (up to $50K through nonprofit intermediaries) are also viable for the lower end of the $83K–$120K range.
SBA SOP 50 10 7 sets the minimum global DSCR at 1.15× — projected net cash flow must cover all debt obligations at 1.15× or better. Most SBA participating lenders require 1.25×–1.35× for franchise startups. For Visiting Angels, lenders build the DSCR from FDD Item 19 territory revenue data, adjusting for the declining royalty tier (5% up to $600K, 3.5% above), caregiver payroll, office overhead, and insurance. Territories with established recurring care contracts and low caregiver turnover support the strongest projections. Source: SBA SOP 50 10 7.
Borrowers must inject equity from personal funds — not borrowed for this purpose — per SBA SOP 50 10 7. For Visiting Angels' $83K–$120K range, equity injection runs $8,300–$12,000 at 10% — one of the lowest absolute dollar injection requirements among SBA-eligible franchise concepts. Equity is documented at closing with bank statements showing funds seasoned in the account for 60+ days.