Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Home Helpers Franchise Failure Rate: 8.0% SBA Loan Defaults (2010–2019 Federal Data)

8.0%
charge-off rate on 25 SBA 7(a) loans to Home Helpers franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Home Helpers against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Home Helpers 8.0%; Home Health Care Services 8.2%; All franchises 10.2%Home Helpers 8.0%; Home Health Care Services 8.2%; All franchises 10.2%0%2%4%6%8%10%Home Helpers8.0%Home Health CareServices8.2%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Home Helpers 8.0%; Home Health Care Services 8.2%; All franchises 10.2%Home Helpers 8.0%; Home Health Care Services 8.2%; All franchises 10.2%0%2%4%6%8%10%Home Helpers8.0%Home Health Care Services8.2%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

About 1 in 12 Home Helpers SBA borrowers failed to repay — in line with the Home Health Care Services average of 8.2%.

Between 2010 and 2019, 25 Home Helpers franchisees financed with SBA 7(a) loans. 2 defaulted — a 8.0% charge-off rate, 1.0x the Home Health Care Services average of 8.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Home Helpers franchise failure rate on SBA loans?

Home Helpers 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 Home Helpers franchisees: 25 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.

How does Home Helpers compare with other Home Health Care Services franchises?

The table sets Home Helpers'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.

Home Helpers versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureHome HelpersHome Health Care ServicesAll franchisesAll SBA borrowers
Default (charge-off) rate8.0%8.2%10.2%8.0%
Loans in sample25———
Defaults2———
Average loan size$140,748———
Charge-off rate by approval year — share of each fiscal year's Home Helpers SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2010 0% of 3 loans; FY2011 33% of 3 loans; FY2012 0% of 1 loans; FY2013 0% of 3 loans; FY2014 0% of 4 loans; FY2015 0% of 2 loans; FY2016 25% of 4 loans; FY2017 0% of 3 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 0% of 3 loans; FY2011 33% of 3 loans; FY2012 0% of 1 loans; FY2013 0% of 3 loans; FY2014 0% of 4 loans; FY2015 0% of 2 loans; FY2016 25% of 4 loans; FY2017 0% of 3 loans; FY2018 0% of 2 loans0%5%10%0%2010n=333%2011n=30%2012n=10%2013n=30%2014n=40%2015n=225%2016n=40%2017n=30%2018n=2
Charge-off rate by approval year: FY2010 0% of 3 loans; FY2011 33% of 3 loans; FY2012 0% of 1 loans; FY2013 0% of 3 loans; FY2014 0% of 4 loans; FY2015 0% of 2 loans; FY2016 25% of 4 loans; FY2017 0% of 3 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 0% of 3 loans; FY2011 33% of 3 loans; FY2012 0% of 1 loans; FY2013 0% of 3 loans; FY2014 0% of 4 loans; FY2015 0% of 2 loans; FY2016 25% of 4 loans; FY2017 0% of 3 loans; FY2018 0% of 2 loans0%5%10%0%’10n=333%’11n=30%’12n=10%’13n=30%’14n=40%’15n=225%’16n=40%’17n=30%’18n=2

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010300.0%
FY20113133.3%
FY2012100.0%
FY2013300.0%
FY2014400.0%
FY2015200.0%
FY20164125.0%
FY2017300.0%
FY2018200.0%

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?

Home Helpers's figure rests on 25 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 25 resolved loans, one default moves the rate by about 4.0 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 Home Helpers figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 25 resolved loans — directional, not precise.

Frequently asked

What is Home Helpers's franchise failure rate on SBA loans?
Between 2010 and 2019, 25 Home Helpers franchisees financed with SBA 7(a) loans. 2 defaulted — a 8.0% charge-off rate, 1.0x the Home Health Care Services average of 8.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Home Helpers a safe franchise investment?
Between 2010–2019, Home Helpers franchisees defaulted on SBA loans at 8.0% versus a 8.2% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Home Helpers franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 8.0% (2 of 25 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/home-helpers/ · Data & methodology · Download the dataset (CSV)