100% Chiropractic vs HealthSource Chiropractic
100% Chiropractic vs HealthSource Chiropractic: 100% Chiropractic costs $220K–$829K to open; HealthSource Chiropractic costs $116K–$426K. 100% Chiropractic has 29 units, HealthSource Chiropractic has 103. SBA loan history: 100% Chiropractic = 39 loans (0.0% default); HealthSource Chiropractic = 71 loans (5.6% 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 HealthSource Chiropractic — 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
HealthSource Chiropractic requires the lower minimum capital commitment ($116K vs $220K for 100% Chiropractic), a 90% spread. Initial franchise fees come in at $50K for 100% Chiropractic versus $60K for HealthSource Chiropractic — 100% Chiropractic has the lower entry fee. Ongoing royalty load is 6.5% for 100% Chiropractic and 6% for HealthSource Chiropractic, giving HealthSource Chiropractic the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, HealthSource Chiropractic operates 103 units to 100% Chiropractic's 29 — roughly 4× the system size. 100% Chiropractic has been operating 22 years (founded 2004) versus 20 for HealthSource Chiropractic (founded 2006) — a 2-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
HealthSource Chiropractic has the deeper SBA lending track record with 71 historical 7(a) approvals versus 39 for 100% Chiropractic.
Risk Signal
SBA default rates are 0.0% for 100% Chiropractic and 5.6% for HealthSource Chiropractic — 100% Chiropractic has the cleaner historical loss profile by 5.6 points. PeerSense FPI scores come in at 61 (Moderate) for 100% Chiropractic and 73 (Strong) for HealthSource Chiropractic, giving HealthSource Chiropractic the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 73/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 39 | 71 |
SBA Volume | — | — |
Default Rate | 0.0% | 5.6% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $220K – $829K | $116K – $426K |
Franchise Fee | $50K | $60K |
Royalty Rate | 6.5% | 6% |
Ad Fund | N/A | 1% |
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 | 103 |
Franchised Units | 29 | 103 |
Company-Owned | — | — |
Term Length | 10 yrs | 35 yrs |
Brand Information
Year Founded | 2004 | 2006 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Colorado Springs, CO | N/A |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | 2024 | 2026 |
Which Is Better — 100% Chiropractic or HealthSource Chiropractic?
Lower upfront capital required
HealthSource Chiropractic
100% Chiropractic: $220K starting · HealthSource Chiropractic: $116K starting
More SBA lender confidence
HealthSource Chiropractic
100% Chiropractic: 39 SBA loans · HealthSource Chiropractic: 71 SBA loans
Lower historical default rate
100% Chiropractic
100% Chiropractic: 0.0% · HealthSource Chiropractic: 5.6%
Larger system & brand presence
HealthSource Chiropractic
100% Chiropractic: 29 units · HealthSource Chiropractic: 103 units
Lower ongoing royalty load
HealthSource Chiropractic
100% Chiropractic: 6.5% · HealthSource Chiropractic: 6%
More lender financing options
HealthSource Chiropractic
100% Chiropractic: 14 unique lenders · HealthSource Chiropractic: 39 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 HealthSource Chiropractic: Franchise Funding Comparison
Comparing 100% Chiropractic and HealthSource Chiropractic is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $116K to $829K.
Both brands have active SBA lending histories — 100% Chiropractic with 39 SBA loans and HealthSource Chiropractic with 71. 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.