Comfort Keepers Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Comfort Keepers franchisees defaulted on 4.7% of SBA 7(a) loans between FY2010 and FY2019 — 2 of 43 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Home Health Care Services industry average of 8.2%.
- 4.7%SBA default rate2 of 43 loans
- 43loans resolvedapproved FY2010–FY2019
- 8.2%Home Health Care Services averageall SBA loans in the industry
- 4th lowestindustry rankof 13 Home Health Care Services brands
| SBA default rate | 4.7% |
|---|---|
| Loans approved | 43 |
| Loans charged off | 2 |
| Date range | FY2010–FY2019 |
| Industry | Home Health Care Services |
| Industry average | 8.2% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 21 Comfort Keepers SBA borrowers failed to repay — well below the Home Health Care Services average of 8.2%.
What is the Comfort Keepers franchise failure rate on SBA loans?
Comfort Keepers is a Home Health Care Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Comfort Keepers franchisees: 43 loans approved between fiscal 2010 and 2019, of which 2 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201943
- Charged off2
- Charge-off rate4.7%
- Home Health Care Services franchise benchmark8.2%
- Brand vs industry0.6x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$469,911
- New SBA loans since 202055
- Early charge-offs since 20200
How does Comfort Keepers compare with other Home Health Care Services franchises?
The table sets Comfort Keepers's charge-off rate beside its Home Health Care Services peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Comfort Keepers | Home Health Care Services | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 4.7% | 8.2% | 10.2% | 8.0% |
| Loans in sample | 43 | — | — | — |
| Defaults | 2 | — | — | — |
| Average loan size | $469,911 | — | — | — |
What has Comfort Keepers SBA lending looked like since 2020?
Since 2020, Comfort Keepers franchisees have taken 55 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 4 | 0 | 0.0% |
| FY2011 | 1 | 0 | 0.0% |
| FY2012 | 3 | 0 | 0.0% |
| FY2013 | 7 | 0 | 0.0% |
| FY2014 | 4 | 0 | 0.0% |
| FY2015 | 6 | 1 | 16.7% |
| FY2016 | 3 | 0 | 0.0% |
| FY2017 | 6 | 0 | 0.0% |
| FY2018 | 1 | 0 | 0.0% |
| FY2019 | 8 | 1 | 12.5% |
| FY2020 | 8 | — | outstanding |
| FY2021 | 6 | — | outstanding |
| FY2022 | 14 | — | outstanding |
| FY2023 | 8 | — | outstanding |
| FY2024 | 2 | — | outstanding |
| FY2025 | 5 | — | outstanding |
| FY2026 | 12 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Comfort Keepers's figure rests on 43 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 43 resolved loans, one default moves the rate by about 2.3 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Comfort Keepers figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 43 resolved loans — directional, not precise.
Is Comfort Keepers in financial trouble? What the SBA data shows
Comfort Keepers's SBA 7(a) default rate was 4.7% for loans approved FY2010–FY2019 (2 of 43 loans charged off) — 4th lowest of 13 Home Health Care Services brands tracked here. A default rate close to the Home Health Care Services average of 8.2% is, on its own, neither a warning sign nor a reassurance.
Frequently asked
- What is Comfort Keepers's franchise failure rate?
- Comfort Keepers franchisees defaulted on 4.7% of SBA 7(a) loans between FY2010 and FY2019 — 2 of 43 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Home Health Care Services industry average of 8.2%.
- How does Comfort Keepers compare to other Home Health Care Services franchises?
- Comfort Keepers's 4.7% SBA default rate is lower than the Home Health Care Services industry average of 8.2%. See every Home Health Care Services franchise ranked on the Home Health Care Services industry page. Home Health Care Services franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Comfort Keepers franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 4.7% (2 of 43 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/comfort-keepers/ · Data & methodology · Download the dataset (CSV)