Freeform Chiropractic vs Heavenly Hams
Freeform Chiropractic vs Heavenly Hams: Freeform Chiropractic costs $266K to $529K to open; Heavenly Hams costs $60K to $250K. Freeform Chiropractic has 6 units, Heavenly Hams has 46. SBA loan history: Freeform Chiropractic = 8 loans (0.0% 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.
Freeform Chiropractic 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
Heavenly Hams requires the lower minimum capital commitment ($60K vs $266K for Freeform Chiropractic), a 341% spread. Initial franchise fees come in at $40K for Freeform Chiropractic versus $64K for Heavenly Hams, Freeform Chiropractic has the lower entry fee.
System Scale & Tenure
On scale, Heavenly Hams operates 46 units to Freeform Chiropractic's 6, roughly 8× the system size.
SBA Lending Profile
Heavenly Hams has the deeper SBA lending track record, with 62 7(a) approvals compared with 8 for Freeform Chiropractic. Freeform Chiropractic's peak SBA year was 2025 (2 loans); Heavenly Hams's peak was 2002 (9 loans). Freeform Chiropractic's more recent peak generally indicates fresher lender appetite. Freeform Chiropractic has the most SBA funded units in TX, with 8. 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 Freeform Chiropractic deals is $414K vs $156K for Heavenly Hams, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Freeform Chiropractic and 16.1% for Heavenly Hams, Freeform Chiropractic has the cleaner SBA loss record by 16.1 points. PeerSense FPI scores come in at 58 (Moderate) for Freeform Chiropractic and 27 (Fair) for Heavenly Hams, giving Freeform Chiropractic the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 58/100 | 27/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 8 | 62 |
SBA Volume | – | – |
Default Rate | 0.0% | 16.1% |
Peer Tier | emerging | established |
Investment & Costs
Total Investment | $266K to $529K | $60K to $250K |
Franchise Fee | $40K | $64K |
Royalty Rate | 7% | 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 | 6 | 46 |
Franchised Units | 6 | 46 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 1982 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | CARROLLTON, TX | MENTOR, OH |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Freeform Chiropractic or Heavenly Hams?
Lower upfront capital required
Tie
Freeform Chiropractic: $266K starting · Heavenly Hams: $60K starting
More SBA lender confidence
Heavenly Hams
Freeform Chiropractic: 8 SBA loans · Heavenly Hams: 62 SBA loans
Lower SBA default rate
Freeform Chiropractic
Freeform Chiropractic: 0.0% · Heavenly Hams: 16.1%
Larger system & brand presence
Tie
Freeform Chiropractic: 6 units · Heavenly Hams: 46 units
More lender financing options
Heavenly Hams
Freeform Chiropractic: 3 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
Freeform Chiropractic vs Heavenly Hams: Franchise Funding Comparison
Comparing Freeform 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 $529K.
Freeform Chiropractic has 8 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.
Freeform Chiropractic vs Heavenly Hams, Frequently Asked Questions
Which is a better franchise investment, Freeform Chiropractic or Heavenly Hams?
How much does a Freeform Chiropractic franchise cost compared to Heavenly Hams?
Can I finance Freeform Chiropractic or Heavenly Hams with an SBA loan?
Which has a lower SBA default rate, Freeform Chiropractic 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