100% Chiropractic vs Chiroway
100% Chiropractic vs Chiroway: 100% Chiropractic costs $220K–$829K to open; Chiroway costs $104K–$163K. 100% Chiropractic has 29 units, Chiroway has 8. SBA loan history: 100% Chiropractic = 39 loans (0.0% default); Chiroway = 10 loans (0.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
100% Chiropractic vs Chiroway — Capital, Scale & Lending Analysis
Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Chiroway requires the lower minimum capital commitment ($104K vs $220K for 100% Chiropractic), a 111% spread. Initial franchise fees come in at $50K for 100% Chiropractic versus $33K for Chiroway — Chiroway has the lower entry fee. Ongoing royalty load is 6.5% for 100% Chiropractic and 4% for Chiroway, giving Chiroway the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, 100% Chiropractic operates 29 units to Chiroway's 8 — roughly 4× the system size.
SBA Lending Profile
100% Chiropractic has the deeper SBA lending track record with 39 historical 7(a) approvals versus 10 for Chiroway. 100% Chiropractic's peak SBA year was 2021 (13 loans); Chiroway's peak was 2025 (5 loans). Chiroway's more recent peak generally indicates fresher lender appetite. Geographically, 100% Chiropractic concentrates in CO (11 SBA-funded units) while Chiroway leads in WI (5) — pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded 100% Chiropractic deals is $331K vs $81K for Chiroway — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for 100% Chiropractic and 0.0% for Chiroway. PeerSense FPI scores come in at 61 (Moderate) for 100% Chiropractic and 65 (Strong) for Chiroway, giving Chiroway the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 65/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 39 | 10 |
SBA Volume | — | — |
Default Rate | 0.0% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $220K – $829K | $104K – $163K |
Franchise Fee | $50K | $33K |
Royalty Rate | 6.5% | 4% |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 29 | 8 |
Franchised Units | 29 | 8 |
Company-Owned | — | — |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2004 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Colorado Springs, CO | WI |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better — 100% Chiropractic or Chiroway?
Lower upfront capital required
Chiroway
100% Chiropractic: $220K starting · Chiroway: $104K starting
More SBA lender confidence
100% Chiropractic
100% Chiropractic: 39 SBA loans · Chiroway: 10 SBA loans
Lower historical default rate
Tie
100% Chiropractic: 0.0% · Chiroway: 0.0%
Larger system & brand presence
100% Chiropractic
100% Chiropractic: 29 units · Chiroway: 8 units
Lower ongoing royalty load
Chiroway
100% Chiropractic: 6.5% · Chiroway: 4%
More lender financing options
100% Chiropractic
100% Chiropractic: 14 unique lenders · Chiroway: 5 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation — your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
100% Chiropractic vs Chiroway: Franchise Funding Comparison
Comparing 100% Chiropractic and Chiroway is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $104K to $829K.
Both brands have active SBA lending histories — 100% Chiropractic with 39 SBA loans and Chiroway with 10. This means proven lender acceptance and established underwriting paths for franchise buyers.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands — not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice — consult with a lending professional before making investment decisions.