100% Chiropractic vs Freeform Chiropractic
100% Chiropractic vs Freeform Chiropractic: 100% Chiropractic costs $220K to $829K to open; Freeform Chiropractic costs $266K to $529K. 100% Chiropractic has 29 units, Freeform Chiropractic has 6. SBA loan history: 100% Chiropractic = 39 loans (0.0% default); Freeform Chiropractic = 8 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
100% Chiropractic vs Freeform Chiropractic: Capital, Scale & Lending Analysis
Analysis based on 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
100% Chiropractic requires the lower minimum capital commitment ($220K vs $266K for Freeform Chiropractic), a 17% spread. Initial franchise fees come in at $50K for 100% Chiropractic versus $40K for Freeform Chiropractic, Freeform Chiropractic has the lower entry fee. Ongoing royalty load is 6.5% for 100% Chiropractic and 7% for Freeform Chiropractic, giving 100% Chiropractic the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, 100% Chiropractic operates 29 units to Freeform Chiropractic's 6, roughly 5× the system size.
SBA Lending Profile
100% Chiropractic has the deeper SBA lending track record, with 39 7(a) approvals compared with 8 for Freeform Chiropractic. 100% Chiropractic's peak SBA year was 2021 (13 loans); Freeform Chiropractic's peak was 2025 (2 loans). Freeform Chiropractic's more recent peak generally indicates fresher lender appetite. 100% Chiropractic has the most SBA funded units in CO, with 11. Freeform Chiropractic leads in TX, with 8. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded 100% Chiropractic deals is $331K vs $414K for Freeform Chiropractic, 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 Freeform Chiropractic. PeerSense FPI scores come in at 61 (Moderate) for 100% Chiropractic and 58 (Moderate) for Freeform Chiropractic, giving 100% Chiropractic the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 58/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 39 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | established | emerging |
Investment & Costs
Total Investment | $220K to $829K | $266K to $529K |
Franchise Fee | $50K | $40K |
Royalty Rate | 6.5% | 7% |
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 | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 29 | 6 |
Franchised Units | 29 | 6 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2004 | N/A |
Franchising Since | 2015 | N/A |
Years Franchising | 11 yrs | N/A |
Headquarters | Colorado Springs, CO | CARROLLTON, TX |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better, 100% Chiropractic or Freeform Chiropractic?
Lower upfront capital required
Tie
100% Chiropractic: $220K starting · Freeform Chiropractic: $266K starting
More SBA lender confidence
100% Chiropractic
100% Chiropractic: 39 SBA loans · Freeform Chiropractic: 8 SBA loans
Lower SBA default rate
Tie
100% Chiropractic: 0.0% · Freeform Chiropractic: 0.0%
Larger system & brand presence
Tie
100% Chiropractic: 29 units · Freeform Chiropractic: 6 units
Lower ongoing royalty load
100% Chiropractic
100% Chiropractic: 6.5% · Freeform Chiropractic: 7%
More lender financing options
100% Chiropractic
100% Chiropractic: 14 unique lenders · Freeform Chiropractic: 3 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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100% Chiropractic vs Freeform Chiropractic: Franchise Funding Comparison
Comparing 100% Chiropractic and Freeform Chiropractic is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $220K to $829K.
100% Chiropractic has 39 SBA loans on record and Freeform Chiropractic has 8. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
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.
100% Chiropractic vs Freeform Chiropractic, Frequently Asked Questions
Which is a better franchise investment, 100% Chiropractic or Freeform Chiropractic?
How much does a 100% Chiropractic franchise cost compared to Freeform Chiropractic?
Can I finance 100% Chiropractic or Freeform Chiropractic with an SBA loan?
Which has a lower SBA default rate, 100% Chiropractic or Freeform Chiropractic?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman