Chiroway vs Freeform Chiropractic
Chiroway vs Freeform Chiropractic: Chiroway costs $104K to $163K to open; Freeform Chiropractic costs $266K to $529K. Chiroway has 8 units, Freeform Chiropractic has 6. SBA loan history: Chiroway = 10 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.
Chiroway 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
Chiroway requires the lower minimum capital commitment ($104K vs $266K for Freeform Chiropractic), a 61% spread. Initial franchise fees come in at $33K for Chiroway versus $40K for Freeform Chiropractic, Chiroway has the lower entry fee. Ongoing royalty load is 4% for Chiroway and 7% for Freeform Chiropractic, giving Chiroway the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Chiroway operates 8 units to Freeform Chiropractic's 6.
SBA Lending Profile
Chiroway has the deeper SBA lending track record, with 10 7(a) approvals compared with 8 for Freeform Chiropractic. Chiroway's peak SBA year was 2025 (5 loans); Freeform Chiropractic's peak was 2025 (2 loans). Freeform Chiropractic's more recent peak generally indicates fresher lender appetite. Chiroway has the most SBA funded units in WI, with 5. 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 Chiroway deals is $81K vs $414K for Freeform Chiropractic, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Chiroway and 0.0% for Freeform Chiropractic. PeerSense FPI scores come in at 65 (Strong) for Chiroway and 58 (Moderate) for Freeform Chiropractic, giving Chiroway the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 65/100 | 58/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 10 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $104K to $163K | $266K to $529K |
Franchise Fee | $33K | $40K |
Royalty Rate | 4% | 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 | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 8 | 6 |
Franchised Units | 8 | 6 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | WI | CARROLLTON, TX |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Chiroway or Freeform Chiropractic?
Lower upfront capital required
Tie
Chiroway: $104K starting · Freeform Chiropractic: $266K starting
More SBA lender confidence
Chiroway
Chiroway: 10 SBA loans · Freeform Chiropractic: 8 SBA loans
Lower SBA default rate
Tie
Chiroway: 0.0% · Freeform Chiropractic: 0.0%
Larger system & brand presence
Tie
Chiroway: 8 units · Freeform Chiropractic: 6 units
Lower ongoing royalty load
Chiroway
Chiroway: 4% · Freeform Chiropractic: 7%
More lender financing options
Chiroway
Chiroway: 5 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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Chiroway vs Freeform Chiropractic: Franchise Funding Comparison
Comparing Chiroway and Freeform Chiropractic is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $104K to $529K.
Chiroway has 10 SBA loans on record and Freeform Chiropractic has 8. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Chiroway vs Freeform Chiropractic, Frequently Asked Questions
Which is a better franchise investment, Chiroway or Freeform Chiropractic?
How much does a Chiroway franchise cost compared to Freeform Chiropractic?
Can I finance Chiroway or Freeform Chiropractic with an SBA loan?
Which has a lower SBA default rate, Chiroway 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