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FirstLight HomeCare, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0644)

41 deals since 2020 · typical deal $150K · 9.09% failure rate

41

Deals since 2020

$150K

Typical deal

19

Deals since FY2025

9.09%

Failure rate (FY20–23)

9.09% of FirstLight HomeCare's FY2020–23 deals failed — well above typical. Price that risk into your offer and your reserves.

What buyers pay for FirstLight HomeCare

Most FirstLight HomeCare deals financed between $135K and $200K. Above $200K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,218
Down payment (10%)
$17K
Cash to close (all-in)
$21K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$21K)

Experience

Recent financings

  • Ocean Park Enterprises LLC in Los Angeles, CA — $251K (2026) · The Huntington National Bank
  • Harris Partners LLC in Sandy Springs, GA — $227K (2026) · The Huntington National Bank
  • First Light Home Care of Aptos in Los Gatos, CA — $185K (2026) · First Bank of the Lake
  • FirstLight Home Care Mableton, GA in Smyrna, GA — $183K (2026) · First Bank of the Lake
  • Trialar Care Solutions, Inc. in Brownsburg, IN — $165K (2026) · Live Oak Banking Company
  • ERAC SOLUTIONS LLC dba FirstLight Home Care of Hockessin in Wilmington, DE — $150K (2026) · United Midwest Savings Bank National Association
  • First Light Home Care in Elmwood Park, NJ — $150K (2026) · Newtek Bank, National Association
  • Harris Partners LLC in Sandy Springs, GA — $50K (2026) · The Huntington National Bank
  • Ocean Park Enterprises LLC in Los Angeles, CA — $30K (2026) · The Huntington National Bank
  • FirstLight HomeCare of the Wiregrass in Dothan, AL — $830K (2025) · Pathward National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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FirstLight HomeCare brand mark

Who funds FirstLight HomeCare — and where

Every dot is a financed FirstLight HomeCare — 41 mapped.

Financed FirstLight HomeCare locations — list all 41 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(12)
  2. 2.United Midwest Savings Bank National Association(8)
  3. 3.Live Oak Banking Company(6)
  4. 4.First Bank of the Lake(4)
  5. 5.Readycap Lending, LLC(2)

Most active states

  1. 1.California (7 loans)
  2. 2.Arizona (5 loans)
  3. 3.Texas (5 loans)
  4. 4.Georgia (5 loans)
  5. 5.Virginia (2 loans)
  6. 6.Ohio (2 loans)
  7. 7.Arkansas (2 loans)
  8. 8.Nevada (2 loans)

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Common questions

How much does a FirstLight HomeCare cost to buy or open?

The typical deal for FirstLight HomeCare is $150K across 41 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

How risky is FirstLight HomeCare?

9.09% of FirstLight HomeCare's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a FirstLight HomeCare with an SBA loan?

Yes — FirstLight HomeCare has been SBA-financed 19 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a FirstLight HomeCare franchise

Most FirstLight HomeCare buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical FirstLight HomeCare deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. FirstLight HomeCare is listed in the SBA Franchise Directory (identifier S0644), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund FirstLight HomeCare — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for FirstLight HomeCare — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for FirstLight HomeCare — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. FirstLight HomeCare is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 41 SBA 7(a) deals since 2020
  • $150K typical deal
  • 19 deals since FY2025
  • 9.09% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0644)
  • Top lenders: The Huntington National Bank, United Midwest Savings Bank National Association, Live Oak Banking Company

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/firstlight-homecare
API:
https://www.capbench.com/api/public/franchises/firstlight-homecare
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with FirstLight HomeCare.

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