Chiroway Centers
The total investment to open a Chiroway Centers franchise ranges from $103,500 to $163,000. The initial franchise fee is $33,000. Ongoing royalties are 4% plus a 1.25% advertising fee.
What is the Chiroway Centers franchise?
Chiroway Centers is a chiropractic care business for people seeking chiropractic visits. The 2026 Franchise Disclosure Document lists an estimated total initial investment of $103,500 to $163,000 and an initial franchise fee of $33,000.
The royalty is 4 percent of sales. The franchise agreement term is 5 years.
Chiroway Centers is headquartered in Monticello, Minnesota. The brand began franchising in 2012.
Loan Activity Score
48/100
SBA Default Rate
0.0%
Active Lenders
2
Franchisees account for 12 of Chiroway Centers's 13 locations. Public SBA loan records show 2 lenders made 4 loans to franchisees of Chiroway Centers. PeerSense calculates Chiroway Centers's score as 48 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
13 locations
$103,500 to $163,000
$33,000
13
12 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Chiroway Centers
4
Total SBA loans
$27K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Chiroway Centers
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 3.2% peer avg
SBA Loans
4
Total Volume
$0.1M
Active Lenders
2
1 selective
States
1
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Chiroway Centers based on SBA lending data
SBA Default Rate
0.0%
3.2% below peer avg
SBA Loan Volume
4 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 2.0 loans per lender
Investment Tier
Mid range investment
$103,500 to $163,000 total
Chiroway Centers: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2015
4 approvals. The best year on record for Chiroway Centers.
Top SBA State
Minnesota
4 SBA financed Chiroway Centers locations, the densest operator footprint.
Average Loan Size
$27K
Median $23K. Use as a sizing anchor when modeling your own Chiroway Centers unit.
Lender Concentration
100%
Concentrated
Share of Chiroway Centers approvals captured by the top 3 SBA lenders.
Chiroway Centers's SBA lending pipeline peaked in 2015 (4 approvals). Operator density is highest in Minnesota with 4 SBA financed locations. Average funded ticket sits at $27K, with the median at $23K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,071
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Chiroway Centers, unit breakdown
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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