HealthSource Chiropractic vs Heavenly Hams
HealthSource Chiropractic vs Heavenly Hams: HealthSource Chiropractic costs $116K to $426K to open; Heavenly Hams costs $60K to $250K. HealthSource Chiropractic has 103 units, Heavenly Hams has 46. SBA loan history: HealthSource Chiropractic = 71 loans (5.6% 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.
HealthSource 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 $116K for HealthSource Chiropractic), a 92% spread. Initial franchise fees come in at $60K for HealthSource Chiropractic versus $64K for Heavenly Hams, HealthSource Chiropractic has the lower entry fee.
System Scale & Tenure
On scale, HealthSource Chiropractic operates 103 units to Heavenly Hams's 46, roughly 2× the system size. Heavenly Hams has been operating 44 years (founded 1982) versus 20 for HealthSource Chiropractic (founded 2006), a 24-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 62 for Heavenly Hams.
Risk Signal
SBA default rates are 5.6% for HealthSource Chiropractic and 16.1% for Heavenly Hams, HealthSource Chiropractic has the cleaner SBA loss record by 10.5 points. PeerSense FPI scores come in at 73 (Strong) for HealthSource Chiropractic and 27 (Fair) for Heavenly Hams, giving HealthSource Chiropractic the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 73/100 | 27/100 |
Health Tier | Strong | Limited |
Confidence | N/A | N/A |
Lending Trend | Growing | Declining |
SBA Lending
SBA Loans | 71 | 62 |
SBA Volume | – | – |
Default Rate | 5.6% | 16.1% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $116K to $426K | $60K to $250K |
Franchise Fee | $60K | $64K |
Royalty Rate | 6% | N/A |
Ad Fund | 1% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 103 | 46 |
Franchised Units | 103 | 46 |
Company Owned | – | – |
Term Length | 35 yrs | N/A |
Brand Information
Year Founded | 2006 | 1982 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | N/A | MENTOR, OH |
Category | Offices of Chiropractors | Offices of Chiropractors |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better, HealthSource Chiropractic or Heavenly Hams?
Lower upfront capital required
Tie
HealthSource Chiropractic: $116K starting · Heavenly Hams: $60K starting
More SBA lender confidence
HealthSource Chiropractic
HealthSource Chiropractic: 71 SBA loans · Heavenly Hams: 62 SBA loans
Lower SBA default rate
HealthSource Chiropractic
HealthSource Chiropractic: 5.6% · Heavenly Hams: 16.1%
Larger system & brand presence
Tie
HealthSource Chiropractic: 103 units · Heavenly Hams: 46 units
More lender financing options
HealthSource Chiropractic
HealthSource Chiropractic: 39 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
HealthSource Chiropractic vs Heavenly Hams: Franchise Funding Comparison
Comparing HealthSource 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 $426K.
HealthSource Chiropractic has 71 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.
HealthSource Chiropractic vs Heavenly Hams, Frequently Asked Questions
Which is a better franchise investment, HealthSource Chiropractic or Heavenly Hams?
How much does a HealthSource Chiropractic franchise cost compared to Heavenly Hams?
Can I finance HealthSource Chiropractic or Heavenly Hams with an SBA loan?
Which has a lower SBA default rate, HealthSource 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; 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