Heavenly Hams
The total investment to open a Heavenly Hams franchise ranges from $60,300 to $249,500. The initial franchise fee is $64,000.
What is the Heavenly Hams franchise?
Heavenly Hams is a chiropractic practice for people seeking care for discomfort or mobility concerns. The estimated total initial investment to open is $60,300 to $249,500, and the initial franchise fee is $64,000.
The franchise is headquartered in Mentor, Ohio, and was founded in 1982.
Loan Activity Score
27/100
SBA Default Rate
16.1%
Active Lenders
35
According to its Franchise Disclosure Document or public business records, Heavenly Hams has 46 locations, all owned by franchisees. Public SBA loan records show 35 lenders made 62 loans to franchisees of Heavenly Hams. PeerSense calculates Heavenly Hams's score as 27 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1982 · 46 locations
$60,300 to $249,500
$64,000
46
46 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Heavenly Hams
62
Total SBA loans
$156K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Heavenly Hams
Loan Activity Score Breakdown
Established (25 to 99 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
16.1%
vs 10.3% peer avg
SBA Loans
62
Total Volume
$9.7M
Active Lenders
35
6 selective
States
24
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 Heavenly Hams based on SBA lending data
SBA Default Rate
16.1%
5.8% above peer avg
SBA Loan Volume
62 loans
Across 35 lenders
Lender Diversity
35 lenders
Avg 1.8 loans per lender
Investment Tier
Mid range investment
$60,300 to $249,500 total
Heavenly Hams: 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
2002
9 approvals. The best year on record for Heavenly Hams.
Top SBA State
Ohio
6 SBA financed Heavenly Hams locations, the densest operator footprint.
Average Loan Size
$156K
Median $135K. Use as a sizing anchor when modeling your own Heavenly Hams unit.
Lender Concentration
25.8%
Moderately Spread
Share of Heavenly Hams approvals captured by the top 3 SBA lenders.
Heavenly Hams's SBA lending pipeline peaked in 2002 (9 approvals). Operator density is highest in Ohio with 6 SBA financed locations. Average funded ticket sits at $156K, with the median at $135K. Lender mix is moderately spread: the top three SBA lenders account for 25.8% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$624
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
Heavenly Hams, unit breakdown
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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