100% Chiropractic vs HealthSource Chiropractic
100% Chiropractic vs HealthSource Chiropractic: 100% Chiropractic costs $220K to $829K to open; HealthSource Chiropractic costs $116K to $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, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
100% Chiropractic vs HealthSource 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
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 7(a) approvals compared with 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 SBA loss record 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 to $829K | $116K to $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 | 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 SBA 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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About These Franchises
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.
100% Chiropractic has 39 SBA loans on record and HealthSource Chiropractic has 71. 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 HealthSource Chiropractic, Frequently Asked Questions
Which is a better franchise investment, 100% Chiropractic or HealthSource Chiropractic?
How much does a 100% Chiropractic franchise cost compared to HealthSource Chiropractic?
Can I finance 100% Chiropractic or HealthSource Chiropractic with an SBA loan?
Which has a lower SBA default rate, 100% Chiropractic or HealthSource 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; it does not lend, fund, or approve loans, and 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