Health & Medical · lender intelligence
How to finance a Homewatch CareGivers
The SBA 7(a) lenders funding the most Homewatch CareGivers deals, ranked from public loan records — typical Homewatch CareGivers loan about $150K, 21.05% failure rate across 45 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Homewatch CareGivers
$150K
Typical loan
range $134K–$180K
$167K
Est. purchase price
≈ loan ÷ 90%
$21,467
Cash to close
$16,667 down + fees
$2,196/mo
Typical payment
~12.5% · 10yr
$30,305/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
19 days
Typical time to fund
18
Lenders competing
more = leverage
8.93%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Homewatch CareGivers
Ranked by funded Homewatch CareGivers loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.575 loans · $220M · De Graff, OHFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.318 loans · $229M · Osage Beach, MOFull record →
- 4.23 loans · $25M · Chicago, ILFull record →
- 5.17 loans · $5M · Fort Worth, TXFull record →
- 6.1,296 loans · $1.4B · Wilmington, NCFull record →
- 7.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 8.242 loans · $281M · Chicago, ILFull record →
- 9.112 loans · $112M · Irving, TXFull record →
- 10.154 loans · $26M · San Diego, CAFull record →
- 11.70 loans · $22M · Melrose, MNFull record →
- 12.105 loans · $72M · Wilmington, DEFull record →
- 13.20 loans · $8M · Saint Petersburg, FLFull record →
- 14.1,927 loans · $207M · Buffalo, NYFull record →
- 15.5 loans · $3M · Cold Spring, MNFull record →
- 16.128 loans · $40M · Wilmington, DEFull record →
45+ funded Homewatch CareGivers deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Happy Hummingbirds LLC in Hilton Head Island, SC — $300K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 3/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- GILES HEALTHY LIFESTYLE LLC dba HOMEWATCH CAREGIVERS OF ST CHARLES, MO in Saint Louis, MO — $150K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 11/13/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Barnes Strategic Corporation in Glen Allen, VA — $143K (2026) · First Command Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $107K (75%)
- Approved
- 1/22/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by First Command Bank · Lender record →
Your business? Claim this record · Request removal
- MGM Services Pro LLC in El Dorado Hills, CA — $125K (2026) · CDC Small Business Finance Corp.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $106K (85%)
- Approved
- 2/25/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- TEN01 CORPORATION in Sparks, NV — $50K (2026) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.99% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 3 days
- Approved
- 11/14/2025
- First disbursed
- 11/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Existing or more than 2 years old
- Industry
- Services for the Elderly and Persons with Disabilities
Funded by U.S. Bank, National Association · Lender record →
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- Barnes Strategic Corporation in Glen Allen, VA — $50K (2026) · First Command Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 26 days
- Approved
- 1/30/2026
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by First Command Bank · Lender record →
Your business? Claim this record · Request removal
- Rosco Health LLC in Waite Park, MN — $1.1M (2025) · purchase · American National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $847K (75%)
- Approval → funding
- 12 days
- Approved
- 12/19/2024
- First disbursed
- 12/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 67
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $125K
- Est. cash at closing
- $172K
- Monthly payment
- $13,698
- Annual debt service
- $164K
- Cash flow needed (1.25×)
- $205K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American National Bank
Your business? Claim this record · Request removal
- Rosco Health LLC in Minneapolis, MN — $423K (2025) · purchase · American National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $317K (75%)
- Approval → funding
- 28 days
- Approved
- 7/3/2025
- First disbursed
- 7/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $470K
- Est. down payment (10%)
- $47K
- Est. cash at closing
- $63K
- Monthly payment
- $5,301
- Annual debt service
- $64K
- Cash flow needed (1.25×)
- $80K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American National Bank
Your business? Claim this record · Request removal
- Gonzalez Zimmerman Capital Solutions LLC in Santee, CA — $250K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 13 days
- Approved
- 4/3/2025
- First disbursed
- 4/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- KIMAMO Family LLC in Roseville, CA — $164K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $123K (75%)
- Approval → funding
- 23 days
- Approved
- 2/4/2025
- First disbursed
- 2/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- GMCX SOLUTIONS, INC. dba HOMEWATCH CAREGIVERS OF NORTHWEST INDIANA in Schererville, IN — $150K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 128 days
- Approved
- 4/8/2025
- First disbursed
- 8/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Services for the Elderly and Persons with Disabilities
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Hoosier Harmony Network, LLC in Cedar Hill, TX — $150K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 4 days
- Approved
- 5/16/2025
- First disbursed
- 5/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- NUMARENEE COMPASSIONATE CARE LLC in Columbus, OH — $150K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $113K (75%)
- Approval → funding
- 12 days
- Approved
- 12/6/2024
- First disbursed
- 12/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Home Health Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- E.H.Cincinnati Corporation in Loveland, OH — $149K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $126K (85%)
- Approval → funding
- 60 days
- Approved
- 7/28/2025
- First disbursed
- 9/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Homewatch CareGivers of Oakland in Oakland, CA — $50K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 14.25% variable
- Term
- 113 months
- SBA guaranteed
- $43K (85%)
- Approval → funding
- 6 days
- Approved
- 12/3/2024
- First disbursed
- 12/9/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
- Rosco Health LLC in Waite Park, MN — $50K (2025) · American National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 12 days
- Approved
- 12/19/2024
- First disbursed
- 12/31/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 67
- Business age
- New Business or 2 years or less
- Industry
- Home Health Care Services
Funded by American National Bank
Your business? Claim this record · Request removal
- Core Values Homecare LLC in Norwalk, CT — $50K (2025) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 191 days
- Approved
- 1/21/2025
- First disbursed
- 7/31/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Home Health Care Services
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- KIMAMO Family LLC in Roseville, CA — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/4/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Atlas & Axis, LLC in Fairfax, VA — $1.7M (2024) · CIBC Bank USA
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 19 days
- Approved
- 6/5/2024
- First disbursed
- 6/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Home Health Care Services
Funded by CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
- Good Texan Enterprises Inc. in Sugar Land, TX — $640K (2024) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $480K (75%)
- Approval → funding
- 39 days
- Approved
- 8/15/2024
- First disbursed
- 9/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 35
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $712K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $95K
- Monthly payment
- $8,731
- Annual debt service
- $105K
- Cash flow needed (1.25×)
- $131K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Homewatch CareGivers businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Homewatch CareGivers purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. United Midwest Savings Bank National Association funds the most. CapBench is not a lender.
- $150K typical Homewatch CareGivers loan
- 21.05% failure rate (FY20–23)
- 18 lenders fund the brand
- 19 days typical to fund
Buyers researching a Homewatch CareGivers typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.
- 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.