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Right at Home Franchise Loan: The Complete Financing Guide for Right at Home Franchise Owners
Right at Home is one of the most recognized names in senior home care, serving hundreds of thousands of clients across the United States and internationally. If you are exploring a Right at Home franchise loan or researching how to finance your entry into this growing industry, this comprehensive guide covers everything you need to know about franchise costs, SBA loans, qualification requirements, and smart financing strategies to launch your Right at Home territory successfully.
In This Article
What Is Right at Home?
Right at Home was founded in 1995 by Allen Hager, a hospital administrator who recognized the growing demand for quality in-home care for seniors and adults with disabilities. Headquartered in Omaha, Nebraska, the company has grown into one of the largest senior care franchise systems in the world, with more than 700 locations across the United States and operations in over a dozen countries.
The brand's mission is simple but powerful: to improve the quality of life for those they serve. Right at Home franchisees provide a range of non-medical and skilled nursing home care services including personal care, companionship, medication reminders, transportation assistance, light housekeeping, and specialized care for clients with Alzheimer's and dementia. This broad service offering allows Right at Home franchisees to serve a wide client base and generate revenue from multiple care categories.
Several factors make Right at Home an attractive franchise investment in 2026:
- Aging population: The U.S. Census Bureau projects that the population aged 65 and older will reach 80 million by 2040, creating enormous long-term demand for senior care services.
- Home care preference: Studies consistently show that the vast majority of seniors prefer to age at home rather than move to assisted living facilities, driving demand for professional in-home care.
- Recession-resilient: Home care services tend to be more resistant to economic downturns than discretionary consumer businesses, as aging and health needs continue regardless of economic conditions.
- Low overhead model: Unlike retail or restaurant franchises, Right at Home does not require a large commercial space. Most franchises operate from a modest office with caregivers working directly in clients' homes.
- Strong brand recognition: Right at Home is consistently ranked among the top home care franchises by Entrepreneur, Franchise Business Review, and other industry publications.
Right at Home franchisees are not required to have a healthcare background. The brand actively recruits entrepreneurial business professionals who are passionate about their community and committed to the mission of improving seniors' quality of life. The franchise provides comprehensive training and ongoing support covering operations, caregiver recruitment, care coordination, marketing, and financial management.
The Right at Home Franchise Cost Breakdown
Understanding the full cost of a Right at Home franchise is the first step in determining your financing needs. According to the brand's Franchise Disclosure Document (FDD) and publicly available data, here is a detailed breakdown of what you can expect to invest:
| Cost Item | Low Estimate | High Estimate |
|---|---|---|
| Initial Franchise Fee | $49,500 | $49,500 |
| Office Setup and Leasehold | $1,000 | $10,000 |
| Equipment and Technology | $3,000 | $7,000 |
| Initial Marketing and Advertising | $2,000 | $5,000 |
| Training Expenses and Travel | $3,500 | $6,000 |
| Insurance (first 3 months) | $3,000 | $8,000 |
| Working Capital (6 months) | $60,000 | $120,000 |
| Miscellaneous / Contingency | $5,000 | $15,000 |
| Total Estimated Investment | $127,000 | $220,500 |
Ongoing Fees:
- Royalty Fee: 5% of gross revenues
- Marketing/Advertising Fee: 2% of gross revenues
- Technology Fee: Approximately $125 per month
Additional Requirements:
- Liquid Capital Required: Approximately $150,000
- Net Worth Requirement: Approximately $200,000
Compared to food or retail franchise concepts that often require $500,000 to $1.5 million, Right at Home's lower startup cost makes it more accessible to a wider range of investors. The primary capital requirement is working capital to cover operating expenses during the ramp-up period before your caregiver roster and client base are fully developed. This also makes the franchise an excellent candidate for SBA loan financing, as discussed in detail below.
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Given the relatively moderate startup cost of a Right at Home franchise compared to other major franchise brands, there are multiple solid financing pathways available. Most successful Right at Home franchisees use a combination of personal equity and borrowed capital to fund their launch. Here are the primary options to consider:
SBA 7(a) Loans
The SBA 7(a) loan program is the most popular financing tool for franchise businesses in the United States. These loans can be used for franchise fees, working capital, equipment, and office setup. For a Right at Home franchise, a typical SBA 7(a) loan would cover $100,000 to $200,000 of the total investment with repayment terms of 7 to 10 years. Interest rates are competitive, typically ranging from prime plus 2.25% to 2.75%, making them among the most affordable borrowing options available to franchise owners.
SBA Express Loans
For smaller funding needs, the SBA Express loan program offers faster approval (typically within 36 hours) with loan amounts up to $500,000. The SBA guarantees 50% of these loans, and the process is significantly faster than the standard 7(a) program. Right at Home franchisees who need $100,000 to $250,000 may find the Express program a convenient option.
Working Capital Loans
A small business working capital loan can help bridge the gap during the first several months of operation when your business is building its client base and caregiver roster. These loans are typically shorter term (12 to 36 months) and can be approved and funded quickly, sometimes within 24 to 48 hours through alternative lenders.
Business Line of Credit
A business line of credit is an excellent supplemental financing tool for Right at Home franchisees. Unlike a term loan, a line of credit is a revolving facility you draw from as needed and repay over time. You only pay interest on the amount you have drawn. This is particularly useful for managing payroll gaps before client invoices are collected, covering unexpected expenses, or bridging cash flow during seasonal fluctuations in care demand.
Equipment Financing
While Right at Home is not equipment-intensive compared to food or manufacturing businesses, you will need computers, phones, software systems, and office furniture. Equipment financing lets you acquire these assets without depleting your working capital, preserving your cash for payroll and marketing during the critical early months.
Rollover for Business Startups (ROBS)
Some Right at Home franchisees use retirement funds through a ROBS arrangement to fund their equity contribution. This strategy allows you to invest pre-tax retirement savings in your franchise without incurring early withdrawal penalties or immediate tax liability. ROBS can serve as your equity injection for an SBA loan, eliminating the need to come up with out-of-pocket cash for the down payment.
Home Equity Lines of Credit
Homeowners with significant equity may access a home equity line of credit (HELOC) to fund part of their Right at Home investment. Rates are typically lower than unsecured business loans, though this approach carries the risk of using your home as collateral.
Franchisor Financing and Third-Party Relationships
Right at Home has relationships with preferred lending partners who specialize in franchise financing. While the franchisor does not typically provide direct financing, their preferred lenders have familiarity with the brand's business model and financial performance benchmarks, which can streamline the loan approval process.
How to Qualify for a Right at Home Franchise Loan
Before approaching lenders, it is important to understand what qualifications are typically required for a Right at Home franchise loan. While requirements vary by lender and loan type, here are the general standards you should be prepared to meet:
Credit Score
For SBA loans, most lenders prefer a personal FICO score of at least 680. Higher scores (700 and above) unlock the most competitive interest rates and terms. Alternative lenders may work with scores as low as 620 to 640, though at higher interest rates. If your score needs improvement, focus on paying down credit card balances, disputing any errors on your report, and avoiding new hard inquiries in the months before applying.
Personal Financial Statement
Lenders will review your complete personal financial picture, including assets (checking, savings, investments, real estate), liabilities (mortgages, car loans, student debt), and your net worth. Right at Home requires a minimum net worth of approximately $200,000, and most lenders prefer to see a net worth of at least $250,000 for a franchise loan of this size.
Liquid Capital
You must demonstrate that you have sufficient liquid capital to cover your equity injection plus additional reserves. Right at Home recommends a minimum of $150,000 in liquid assets. For SBA loans, you will typically need to contribute at least 10% to 20% of the total project cost from personal funds.
Business Plan
A comprehensive business plan is essential for any franchise loan application. Your plan should include your target territory analysis, competitive landscape, caregiver recruitment strategy, marketing plan, management team, and detailed financial projections for at least three years. The financial projections should include monthly income statements, cash flow statements, and balance sheets showing break-even analysis.
Franchise Agreement
Lenders will want to review your executed or in-process franchise agreement with Right at Home. The FDD, which Right at Home is required to provide to prospective franchisees, also gives lenders important information about the brand's financial performance and franchise system.
Personal Background and Experience
While healthcare experience is not required to own a Right at Home franchise, business management experience significantly strengthens your loan application. Lenders want to see that you have the leadership, financial, and organizational skills to run a growing small business. Detail your relevant professional background in your resume and loan application narrative.
SBA Loans for Right at Home Franchise Owners
The SBA 7(a) loan program is arguably the best financing option for Right at Home franchise buyers. Here is why SBA loans are particularly well-suited to this business model and what you need to know to pursue this path:
Why SBA Loans Are Ideal for Home Care Franchises
The home care industry, including Right at Home, is well-regarded by SBA lenders for several reasons. The business model is asset-light, meaning most of the investment goes toward working capital and franchise fees rather than expensive real estate or heavy equipment. Home care businesses generate recurring revenue from clients with ongoing care needs, creating predictable cash flows that lenders find attractive. Additionally, the senior care market has demonstrated consistent growth for years and is expected to accelerate as the baby boomer generation ages, making this a fundamentally sound business for long-term lenders to underwrite.
SBA 7(a) Loan Terms for Right at Home
- Loan Amount: Up to $5 million (typical Right at Home loans range from $100,000 to $250,000)
- Interest Rates: Prime rate plus 2.25% to 2.75% (approximately 7.5% to 8.5% as of mid-2026)
- Repayment Term: 7 to 10 years for working capital; up to 25 years if real estate is included
- SBA Guarantee: 75% to 85% of the loan amount
- Equity Injection: Typically 10% to 20% of total project cost
- Collateral: Business assets; personal assets if business collateral is insufficient
- Personal Guarantee: Required from all owners with 20% or more ownership
Right at Home on the SBA Franchise Registry
Right at Home is listed on the SBA's Franchise Registry, which means SBA lenders do not need to perform additional due diligence on the franchise agreement itself. This streamlines the approval process significantly. When applying for an SBA loan for a Right at Home franchise, your lender can confirm the brand's registry status and proceed directly to evaluating your personal qualifications and business plan.
How Long Does the SBA Loan Process Take?
For a standard SBA 7(a) loan for a Right at Home franchise, the process typically takes 30 to 60 days from initial application to funding. Using an SBA Preferred Lender, which has authority to approve loans without SBA review, can shorten this timeline. Plan your timeline carefully: you should begin the loan application process at least 60 days before you need to sign your franchise agreement and pay your initial franchise fee.
By the Numbers
Right at Home Franchise - Key Statistics
700+
U.S. Franchise Locations
$49,500
Initial Franchise Fee
80M+
Seniors by 2040 (U.S.)
5%
Royalty Rate on Revenue
How Crestmont Capital Helps Right at Home Franchisees
Crestmont Capital is the #1 business lender in the United States, offering a full suite of financing products tailored to franchise owners and small business entrepreneurs. Here is how we can help you fund your Right at Home franchise:
- Small Business Loans: Term loans up to $5 million to fund franchise fees, working capital, and startup costs with competitive rates and flexible terms.
- SBA Loans: We are an experienced SBA lender with access to the 7(a) and Express loan programs, streamlined for franchise businesses like Right at Home.
- Equipment Financing: Preserve your working capital by financing your office technology, computers, and software systems separately.
- Business Line of Credit: A revolving credit facility to manage cash flow gaps between payroll and client billing cycles.
- Fast Business Loans: Same-day and next-day funding options for urgent working capital needs.
- Long-Term Business Loans: Extended repayment terms of 5 to 25 years to keep monthly payments manageable as your franchise grows.
Whether you are a first-time franchise owner or an experienced multi-unit operator, Crestmont Capital's team of franchise financing specialists understands the unique needs of home care businesses. We will work with you to structure the right mix of products to fully fund your Right at Home launch without overextending your cash reserves. Similar to how we have helped owners of other top senior care franchises like Visiting Angels and Home Instead, we have deep expertise in this sector.
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Apply Now →Real-World Right at Home Financing Scenarios
To illustrate how franchise financing works in practice, here are three realistic financing scenarios for aspiring Right at Home franchise owners:
Scenario 1: First-Time Business Owner, Single Territory
Maria is a former healthcare administrator with strong management experience but limited business ownership background. She wants to open a single Right at Home territory in a mid-sized Southeastern city. Her total estimated startup cost is $175,000, including the $49,500 franchise fee, $60,000 in working capital, and $65,500 in other startup costs.
Maria has $50,000 in personal savings and a home with $120,000 in equity. Her credit score is 720. She applies for an SBA 7(a) loan of $140,000 (80% of total cost) and contributes $35,000 from personal savings as her equity injection. She secures a 10-year loan at 7.75% with monthly payments of approximately $1,670. Her business reaches break-even within 8 months and generates positive cash flow that comfortably covers her loan payment by month 12.
Scenario 2: Multi-Territory Investor with Prior Home Care Experience
David previously managed a home health agency and wants to own two adjacent Right at Home territories simultaneously. His total investment requirement is approximately $340,000 ($175,000 per territory with some shared overhead savings). David has $120,000 in personal liquid assets and a net worth of $450,000.
He structures his financing as follows: a $220,000 SBA 7(a) loan at 8.0% for 10 years ($2,667 per month), plus a $50,000 business line of credit for working capital flexibility. He contributes $70,000 personally as equity. Because he has direct home care operations experience, his application is approved quickly. His dual-territory model allows him to spread administrative overhead across a larger client base, improving profitability compared to a single territory.
Scenario 3: Corporate Professional Transitioning to Franchising
Kevin is a regional sales manager in the pharmaceutical industry who wants to transition out of corporate life and into franchise ownership. He has no direct home care experience but strong management, sales, and client relationship skills that are highly relevant to running a Right at Home business. His total estimated investment is $185,000 for a suburban territory with above-average senior population density.
Kevin uses a ROBS arrangement to invest $100,000 from his 401(k) as equity, then applies for a $100,000 SBA Express loan at 8.25% for 7 years ($1,535 per month). He also secures a $30,000 business line of credit for working capital. His strong sales background allows him to build referral relationships with local hospitals, skilled nursing facilities, and physicians' offices rapidly, and he achieves break-even by month 10.
Frequently Asked Questions
How much does a Right at Home franchise cost in total?
The total estimated investment to open a Right at Home franchise ranges from approximately $127,000 to $220,500. This includes the $49,500 initial franchise fee, office setup costs, equipment and technology, initial marketing, training expenses, insurance, working capital, and a contingency reserve. Actual costs vary based on your territory, office location, and local market conditions.
What is the Right at Home franchise fee?
The initial franchise fee for a Right at Home territory is $49,500. This fee grants you the right to operate under the Right at Home brand in your protected territory and includes initial training, support, and access to the brand's systems and proprietary materials. The franchise fee is paid upfront at the time of signing your franchise agreement.
What ongoing fees does Right at Home charge?
Right at Home franchisees pay a royalty fee of 5% of gross revenues and a marketing/advertising contribution of approximately 2% of gross revenues. There is also a technology fee of approximately $125 per month. These ongoing fees provide access to the brand's national marketing programs, proprietary technology platform, ongoing training, and corporate support.
What credit score do I need for a Right at Home franchise loan?
For an SBA 7(a) loan, most lenders require a personal credit score of at least 680. Scores of 700 and above generally qualify you for better interest rates and terms. Alternative lenders may work with scores as low as 620 to 640, though at higher rates. If your score is below 680, consider spending 6 to 12 months improving it before applying for your franchise loan.
Can I get an SBA loan for a Right at Home franchise?
Yes. Right at Home is listed on the SBA Franchise Registry, which makes it eligible for streamlined SBA 7(a) and SBA Express loan financing. SBA loans offer competitive interest rates (typically 7.5% to 8.5% as of mid-2026), long repayment terms of 7 to 10 years, and partial government guarantees that make lenders more willing to extend credit to franchise startups.
How much do I need to put down for a Right at Home franchise loan?
Most lenders require an equity injection of 10% to 20% of the total project cost. For a $175,000 Right at Home investment, this means you need $17,500 to $35,000 in personal funds as a down payment. Right at Home itself requires a minimum of approximately $150,000 in liquid capital to qualify as a franchisee candidate, which provides more than sufficient equity for most lenders.
Do I need healthcare experience to get a Right at Home franchise loan?
No. Lenders do not require healthcare experience to approve a Right at Home franchise loan. However, strong business management experience, sales skills, and leadership ability are important factors that lenders and the franchisor evaluate. Right at Home actively recruits entrepreneurs from corporate backgrounds in business, healthcare administration, sales, and management.
How long does it take to get approved for a Right at Home franchise loan?
SBA 7(a) loans typically take 30 to 60 days from application to funding. SBA Express loans can be approved in as little as 36 hours. Alternative lender working capital loans can be funded in as little as 24 to 48 hours. To minimize delays, have all required documentation ready before applying and respond promptly to any underwriting requests.
What documents do I need for a Right at Home franchise loan application?
Standard documents required include: personal financial statement, personal tax returns for the past 3 years, bank statements for the past 3 to 6 months, personal resume and biography, executed or in-process Right at Home franchise agreement or letter of intent, business plan with 3-year financial projections, and any existing business financial statements if applicable. Your lender may request additional documents during the underwriting process.
How much revenue can a Right at Home franchise generate?
Revenue varies widely based on territory size, population demographics, caregiver recruitment success, and the owner's business development efforts. According to industry data, established Right at Home franchises can generate $500,000 to $2 million or more in annual revenue. Item 19 of the Right at Home FDD provides financial performance representations based on actual franchisee results that can help you benchmark your projections.
What is the profit margin for a Right at Home franchise?
Home care franchise profit margins vary significantly based on caregiver wage rates, client mix, and operational efficiency. After royalties, wages, insurance, and overhead, well-managed Right at Home franchises can achieve owner profit margins of 10% to 20% on revenues once the business is fully ramped up. The most important driver of profitability is minimizing caregiver turnover while maintaining high client retention rates.
Can I use retirement funds to finance a Right at Home franchise?
Yes. A Rollover for Business Startups (ROBS) arrangement allows you to invest pre-tax retirement savings (401(k), IRA, 403(b)) into your franchise without paying early withdrawal penalties or immediate income taxes. ROBS can serve as your equity injection for an SBA loan or fund a portion of your startup costs directly. Consult with a ROBS specialist and tax advisor before pursuing this strategy.
What is the net worth requirement for a Right at Home franchise?
Right at Home requires prospective franchisees to have a minimum net worth of approximately $200,000 and liquid capital of at least $150,000. These requirements ensure that franchisees have the financial foundation to sustain the business through the ramp-up period. Lenders may apply different standards, but demonstrating net worth of $250,000 or more and liquid assets of $150,000+ generally positions you well for franchise loan approval.
Does Crestmont Capital offer Right at Home franchise loans?
Yes. Crestmont Capital works with Right at Home franchise applicants and other home care franchise owners across the United States. We offer SBA 7(a) loans, SBA Express loans, working capital loans, lines of credit, and equipment financing specifically structured for franchise businesses. Apply online today to speak with a franchise financing specialist who can review your situation and recommend the best loan structure for your Right at Home investment.
What happens if I struggle to make loan payments in the early months?
If you face cash flow challenges in the early months, contact your lender proactively. Many lenders offer forbearance agreements, interest-only payment periods, or loan modifications for borrowers experiencing temporary hardship. Do not wait until you miss a payment to reach out. Working with your lender early gives you the best chance of finding a solution that protects both your business and your credit.
How to Get Started
Your 5-Step Path to Right at Home Financing
- Check your credit and finances: Pull your credit report, calculate your net worth, and confirm you have at least $150,000 in liquid assets. Address any credit issues before applying.
- Contact Right at Home: Visit rightathome.net to express interest and begin the franchise inquiry process. Complete their application and receive the FDD for review.
- Build your business plan: Develop a detailed business plan including your target territory analysis, competitive landscape, caregiver recruitment strategy, and 3-year financial projections.
- Apply for financing: Contact Crestmont Capital to discuss your financing needs. We will help you identify the right loan products and guide you through the application process.
- Close and launch: Once your financing is approved, sign your franchise agreement, complete your initial training, open your office, and begin building your caregiver and client network.
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Apply Now →Conclusion
Right at Home is one of the most compelling franchise opportunities available in 2026. With a lower startup cost than most brick-and-mortar franchises, a proven business model built around a growing senior population, and strong brand recognition backed by nearly 30 years of operational experience, the brand offers aspiring entrepreneurs a genuine path to business ownership with meaningful social impact.
Financing your Right at Home franchise does not have to be complicated. SBA 7(a) loans offer competitive rates and long repayment terms perfectly suited to the capital requirements of a home care franchise. Working capital loans, lines of credit, and equipment financing can supplement your primary loan to ensure you are fully funded from day one. The key is to start the process early, prepare thorough documentation, and work with a lender who understands the franchise business model.
Crestmont Capital has helped thousands of franchise owners secure the capital they need to launch and grow their businesses. Our franchise financing specialists understand the unique dynamics of home care businesses and can structure a loan package tailored to your specific situation. Whether you need $100,000 or $500,000, we have the products and expertise to help you move forward with confidence.
Disclaimer: The information provided in this article is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.
