100% Chiropractic vs Heavenly Hams
100% Chiropractic vs Heavenly Hams: 100% Chiropractic costs $220K–$829K to open; Heavenly Hams costs $60K–$250K. 100% Chiropractic has 29 units, Heavenly Hams has 46. SBA loan history: 100% Chiropractic = 39 loans (0.0% default); Heavenly Hams = 62 loans (16.1% 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 Heavenly Hams: 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
Heavenly Hams requires the lower minimum capital commitment ($60K vs $220K for 100% Chiropractic), a 264% spread. Initial franchise fees come in at $50K for 100% Chiropractic versus $64K for Heavenly Hams, 100% Chiropractic has the lower entry fee.
System Scale & Tenure
On scale, Heavenly Hams operates 46 units to 100% Chiropractic's 29. Heavenly Hams has been operating 44 years (founded 1982) versus 22 for 100% Chiropractic (founded 2004), a 22-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Heavenly Hams has the deeper SBA lending track record with 62 historical 7(a) approvals versus 39 for 100% Chiropractic. 100% Chiropractic's peak SBA year was 2021 (13 loans); Heavenly Hams's peak was 2002 (9 loans). 100% Chiropractic's more recent peak generally indicates fresher lender appetite. Geographically, 100% Chiropractic concentrates in CO (11 SBA-funded units) while Heavenly Hams leads in OH (6). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded 100% Chiropractic deals is $331K vs $156K for Heavenly Hams, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for 100% Chiropractic and 16.1% for Heavenly Hams, 100% Chiropractic has the cleaner historical loss profile by 16.1 points. PeerSense FPI scores come in at 61 (Moderate) for 100% Chiropractic and 27 (Fair) for Heavenly Hams, giving 100% Chiropractic the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 27/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 39 | 62 |
SBA Volume | – | – |
Default Rate | 0.0% | 16.1% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $220K – $829K | $60K – $250K |
Franchise Fee | $50K | $64K |
Royalty Rate | 6.5% | N/A |
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 | 46 |
Franchised Units | 29 | 46 |
Company-Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2004 | 1982 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Colorado Springs, CO | MENTOR, OH |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better, 100% Chiropractic or Heavenly Hams?
Lower upfront capital required
Heavenly Hams
100% Chiropractic: $220K starting · Heavenly Hams: $60K starting
More SBA lender confidence
Heavenly Hams
100% Chiropractic: 39 SBA loans · Heavenly Hams: 62 SBA loans
Lower historical default rate
100% Chiropractic
100% Chiropractic: 0.0% · Heavenly Hams: 16.1%
Larger system & brand presence
Heavenly Hams
100% Chiropractic: 29 units · Heavenly Hams: 46 units
More lender financing options
Heavenly Hams
100% Chiropractic: 14 unique lenders · Heavenly Hams: 35 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 Heavenly Hams: Franchise Funding Comparison
Comparing 100% Chiropractic and Heavenly Hams is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $60K to $829K.
Both brands have active SBA lending histories, 100% Chiropractic with 39 SBA loans and Heavenly Hams with 62. 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.
100% Chiropractic vs Heavenly Hams, Frequently Asked Questions
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