Health & Medical · lender intelligence
How to finance a Right at Home
The SBA 7(a) lenders funding the most Right at Home deals, ranked from public loan records — typical Right at Home loan about $356K, 0% failure rate across 75 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Right at Home
$356K
Typical loan
range $150K–$837K
$395K
Est. purchase price
≈ loan ÷ 90%
$52,846
Cash to close
$39,511 down + fees
$4,601/mo
Typical payment
~9.5% · 10yr
$63,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
14 days
Typical time to fund
28
Lenders competing
more = leverage
8.03%
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 Right at Home
Ranked by funded Right at Home loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.34 loans · $57M · Charlotte, NCFull record →
- 4.23 loans · $25M · Chicago, ILFull record →
- 5.38 loans · $26M · Richmond City, VAFull record →
- 6.28 loans · $35M · West Memphis, ARFull record →
- 7.105 loans · $164M · Brookline, MAFull record →
- 8.26 loans · $42M · Chicago, ILFull record →
- 9.60 loans · $40M · Clayton, MOFull record →
- 10.15 loans · $15M · Houston, MOFull record →
- 11.328 loans · $134M · Cleveland, OHFull record →
- 12.155 loans · $58M · Mountain View, ARFull record →
- 13.75 loans · $98M · Sioux Falls, SDFull record →
- 14.36 loans · $35M · Memphis, TNFull record →
- 15.318 loans · $229M · Osage Beach, MOFull record →
- 16.78 loans · $79M · New Orleans, LAFull record →
- 17.575 loans · $220M · De Graff, OHFull record →
- 18.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 19.138 loans · $276M · Sioux Falls, SDFull record →
- 20.40 loans · $42M · Englewood Cliffs, NJFull record →
- 21.291 loans · $320M · Laguna Hills, CAFull record →
- 22.154 loans · $26M · San Diego, CAFull record →
- 23.85 loans · $36M · Waterbury, CTFull record →
- 24.20 loans · $8M · Saint Petersburg, FLFull record →
75+ funded Right at Home 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.
- EQ HEALTH, INC in Huntington, NY — $5.0M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.8M (56%)
- Approved
- 3/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 150
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
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- MJAL CARE LLC in Columbia, MO — $690K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.45% variable
- Term
- 119 months
- SBA guaranteed
- $518K (75%)
- Approval → funding
- 18 days
- Approved
- 1/15/2026
- First disbursed
- 2/2/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $767K
- Est. down payment (10%)
- $77K
- Est. cash at closing
- $103K
- Monthly payment
- $8,582
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $129K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- QM Yulee LLC in Jacksonville, FL — $300K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 3/3/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
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- AAA Healthcare Inc in Hawthorne, NJ — $250K (2026) · Stone Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approved
- 2/17/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 87
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Stone Bank · Lender record →
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- EQ HEALTH, INC. in Westbury, NY — $182K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $137K (75%)
- Approval → funding
- 14 days
- Approved
- 11/14/2025
- First disbursed
- 11/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
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- Columbia Crest Services LLC in Renton, WA — $180K (2026) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 21 days
- Approved
- 12/9/2025
- First disbursed
- 12/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Home Health Care Services
Funded by KeyBank National Association · Lender record →
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- Hub City Senior Care, LLC in Spartanburg, SC — $175K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $131K (75%)
- Approval → funding
- 2 days
- Approved
- 12/2/2025
- First disbursed
- 12/4/2025
- 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 Live Oak Banking Company · Lender record →
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- Cathedral Rock Home Care, LLC in Saint Peters, MO — $1.3M (2025) · purchase · The Bank of Houston
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $956K (75%)
- Approval → funding
- 31 days
- Approved
- 7/11/2025
- First disbursed
- 8/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 100
- Business age
- Change of Ownership
- Industry
- All Other Personal Services
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $142K
- Est. cash at closing
- $194K
- Monthly payment
- $13,314
- Annual debt service
- $160K
- Cash flow needed (1.25×)
- $200K
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 Bank of Houston · Lender record →
Your business? Claim this record · Request removal
- RIGHT AT HOME in Santa Rosa, CA — $760K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $570K (75%)
- Approval → funding
- 28 days
- Approved
- 3/10/2025
- First disbursed
- 4/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 51
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $844K
- Est. down payment (10%)
- $84K
- Est. cash at closing
- $116K
- Monthly payment
- $9,525
- Annual debt service
- $114K
- Cash flow needed (1.25×)
- $143K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- IVNA Home Care Services, Inc. in Fresno, CA — $700K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 40 days
- Approved
- 3/5/2025
- First disbursed
- 4/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $778K
- Est. down payment (10%)
- $78K
- Est. cash at closing
- $104K
- Monthly payment
- $8,586
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $129K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Gallegos Healthcare Partners, Inc. in Greenwood Village, CO — $500K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 6 days
- Approved
- 5/2/2025
- First disbursed
- 5/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 150
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- INDIGO BRIDGE CARE LLC in Germantown, WI — $425K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $319K (75%)
- Approval → funding
- 18 days
- Approved
- 2/27/2025
- First disbursed
- 3/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $472K
- Est. down payment (10%)
- $47K
- Est. cash at closing
- $63K
- Monthly payment
- $5,499
- Annual debt service
- $66K
- Cash flow needed (1.25×)
- $82K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Right at Home in Fort Worth, TX — $356K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $267K (75%)
- Approval → funding
- 15 days
- Approved
- 11/5/2024
- First disbursed
- 11/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- 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
- JJR Lifecare Inc. in Miller Place, NY — $315K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 4 days
- Approved
- 4/7/2025
- First disbursed
- 4/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 70
- Business age
- Existing or more than 2 years old
- Industry
- Home Health Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- IVNA Home Care Services, Inc. in Fresno, CA — $300K (2025) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approved
- 3/4/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,923
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $59K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Care2U LLC in Fremont, CA — $207K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $155K (75%)
- Approval → funding
- 14 days
- Approved
- 4/15/2025
- First disbursed
- 4/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- 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
- ALCG 1, LLC in Colorado Springs, CO — $200K (2025) · purchase · American National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 10 days
- Approved
- 5/20/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Home Health Care Services
If you were the buyer here
- Est. deal size
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,507
- Annual debt service
- $30K
- Cash flow needed (1.25×)
- $38K
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
- ALCG 1, LLC in Colorado Springs, CO — $150K (2025) · American National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 9 days
- Approved
- 5/21/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- 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
- NPP Homecare Inc. in Virginia Beach, VA — $150K (2025) · Atlantic Union Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 11/4/2024
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Services for the Elderly and Persons with Disabilities
Funded by Atlantic Union Bank · Lender record →
Your business? Claim this record · Request removal
- NPP Homecare Inc. in Virginia Beach, VA — $150K (2025) · Atlantic Union Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 7 days
- Approved
- 12/3/2024
- First disbursed
- 12/10/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Services for the Elderly and Persons with Disabilities
Funded by Atlantic Union Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Right at Home? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Right at Home businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Right at Home 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $356K typical Right at Home loan
- 0% failure rate (FY20–23)
- 28 lenders fund the brand
- 14 days typical to fund
Buyers researching a Right at Home 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.