Chiropractic Usa vs Heavenly Hams
Chiropractic Usa vs Heavenly Hams: Chiropractic Usa costs $40K to $178K to open; Heavenly Hams costs $60K to $250K. Chiropractic Usa has 4 units, Heavenly Hams has 46. SBA loan history: Chiropractic Usa = 7 loans (14.3% default); Heavenly Hams = 62 loans (16.1% 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.
Chiropractic Usa vs Heavenly Hams: 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
Chiropractic Usa requires the lower minimum capital commitment ($40K vs $60K for Heavenly Hams), a 34% spread.
System Scale & Tenure
On scale, Heavenly Hams operates 46 units to Chiropractic Usa's 4, roughly 12× the system size. Heavenly Hams has been operating 44 years (founded 1982) versus 25 for Chiropractic Usa (founded 2001), a 19-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 7(a) approvals compared with 7 for Chiropractic Usa. Chiropractic Usa's peak SBA year was 2004 (2 loans); Heavenly Hams's peak was 2002 (9 loans). Chiropractic Usa's more recent peak generally indicates fresher lender appetite. Chiropractic Usa has the most SBA funded units in NE, with 4. Heavenly Hams leads in OH, with 6. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Chiropractic Usa deals is $104K vs $156K for Heavenly Hams, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 14.3% for Chiropractic Usa and 16.1% for Heavenly Hams, Chiropractic Usa has the cleaner SBA loss record by 1.8 points. PeerSense FPI scores come in at 21 (Fair) for Chiropractic Usa and 27 (Fair) for Heavenly Hams, giving Heavenly Hams the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 21/100 | 27/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 7 | 62 |
SBA Volume | – | – |
Default Rate | 14.3% | 16.1% |
Peer Tier | emerging | established |
Investment & Costs
Total Investment | $40K to $178K | $60K to $250K |
Franchise Fee | N/A | $64K |
Royalty Rate | N/A | 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 | 4 | 46 |
Franchised Units | 4 | 46 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2001 | 1982 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LINCOLN, NE | MENTOR, OH |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Chiropractic Usa or Heavenly Hams?
Lower upfront capital required
Tie
Chiropractic Usa: $40K starting · Heavenly Hams: $60K starting
More SBA lender confidence
Heavenly Hams
Chiropractic Usa: 7 SBA loans · Heavenly Hams: 62 SBA loans
Lower SBA default rate
Chiropractic Usa
Chiropractic Usa: 14.3% · Heavenly Hams: 16.1%
Larger system & brand presence
Tie
Chiropractic Usa: 4 units · Heavenly Hams: 46 units
More lender financing options
Heavenly Hams
Chiropractic Usa: 4 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
Chiropractic Usa vs Heavenly Hams: Franchise Funding Comparison
Comparing Chiropractic Usa and Heavenly Hams is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $40K to $250K.
Chiropractic Usa has 7 SBA loans on record and Heavenly Hams has 62. 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.
Chiropractic Usa vs Heavenly Hams, Frequently Asked Questions
Which is a better franchise investment, Chiropractic Usa or Heavenly Hams?
How much does a Chiropractic Usa franchise cost compared to Heavenly Hams?
Can I finance Chiropractic Usa or Heavenly Hams with an SBA loan?
Which has a lower SBA default rate, Chiropractic Usa or Heavenly Hams?
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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