Visiting Angels Franchise Cost (2026): $83K–$120K Home Care

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:

• Franchise fee: $45,000
• Office lease and setup (leasehold improvements, furniture): $5,000–$20,000
• Technology (scheduling software, CRM, phones, computers): $5,000–$10,000
• Vehicle and transportation: $0–$5,000 (minimal — caregivers use their own vehicles)
• Insurance (general liability, workers' comp, bonds): $5,000–$15,000
• Marketing and launch materials: $3,000–$8,000
• Training and travel: $3,000–$6,000
• Working capital: $15,000–$30,000
• Miscellaneous and licenses: $2,000–$6,000

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 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:

• DSCR 1.25×–1.35× on territory revenue pro forma: SBA SOP 50 10 8 sets the minimum DSCR at 1.15×; SBA participating lenders for franchise startups typically require 1.25×–1.35×. For Visiting Angels, lenders build the pro forma from FDD Item 19 average gross revenue for comparable territories, then model the royalty fee (3.5–5% declining tier), caregiver payroll (largest operating cost), office overhead, and insurance to project net cash flow. Territories with recurring care contracts and stable caregiver rosters support stronger DSCR projections.
• Equity injection 10% of project cost: Per SBA SOP 50 10 8, borrowers must contribute equity from personal funds not borrowed for this purpose. At $83K–$120K, that runs $8.3K–$12K minimum. The low investment range makes this one of the most accessible equity injection thresholds in franchising.
• Working capital float management: Lenders focus on the caregiver payroll-to-client billing timing gap — caregivers are paid weekly; clients billed monthly. A working capital line or cash reserve plan is required to bridge this float as the territory scales.
• Management and recruitment plan: Visiting Angels is a staffing-dependent business. Lenders require a credible caregiver recruitment and retention plan — caregiver supply is structurally tight in most US markets.
• Net worth $100K+ and liquid capital $60K+ per franchisor requirements: Lenders verify the borrower meets Visiting Angels' own minimums in addition to SBA equity standards.