How much do lenders finance for a 100% Chiropractic franchise?

The median SBA loan approved for a 100% Chiropractic franchise is $371,000, with the middle 80% of loans between $30,000 and $561,800. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance 100% Chiropractic franchises?

By dollars approved, the most active SBA lenders for 100% Chiropractic have been The Huntington National Bank, Citizens Bank, Byline Bank, SouthState Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are 100% Chiropractic SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a 100% Chiropractic franchise

SBA lenders have approved 40 loans against the 100% Chiropractic brand since FY2010, totalling $13.4M. The median approval was $371,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#564

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$371,000

Typical range

$30K-$562K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed 100% Chiropractic

Lender	Loans	Approved
The Huntington National Bank	18	$4.5M
Citizens Bank	4	$1.9M
Byline Bank	2	$1.1M
SouthState Bank	3	$940K
First Horizon Bank	2	$765K
Equity Bank	2	$707K
First Bank of the Lake	1	$624K
BNC National Bank	1	$538K

Geography

Where 100% Chiropractic units were financed

State	Loans	Share
Colorado	11
Texas	10
Georgia	4
California	4
Florida	3
South Carolina	2
Arizona	2
Tennessee	1

Approvals by fiscal year

’18

’19

’21

’22

’23

’24

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
18%
$50K - $150K
5%
$150K - $350K
23%
$350K - $1M
55%

Financing a 100% Chiropractic: common questions

How much do lenders finance for a 100% Chiropractic franchise?: The median SBA loan approved for a 100% Chiropractic franchise is $371,000, with the middle 80% of loans between $30,000 and $561,800. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance 100% Chiropractic franchises?: By dollars approved, the most active SBA lenders for 100% Chiropractic have been The Huntington National Bank, Citizens Bank, Byline Bank, SouthState Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are 100% Chiropractic SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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