Franchise financing
Financing a The Joint...the Chiropractic Place franchise
SBA lenders have approved 50 loans against the The Joint...the Chiropractic Place brand since FY2010, totalling $9.2M. The median approval was $161,300. These are loans that actually closed - not projections from a disclosure document.
Rank by loan count
#446
of 1,651 brands
Loans approved
50
FY2010 onward
Median loan
$161,300
Typical range
$100K-$275K
Middle 80% of loans
Median term
10 yr
Charge-off rate
0.0%
36 resolved FY10-19 loans
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 The Joint...the Chiropractic Place
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Simmons Bank | 26 | $4.6M | |
| The Huntington National Bank | 6 | $872K | |
| SouthState Bank | 2 | $835K | |
| JPMorgan Chase Bank | 4 | $700K | |
| Rize Federal Credit Union | 2 | $626K | |
| Wells Fargo Bank | 2 | $333K | |
| Bank Five Nine | 1 | $275K | |
| Truist Bank | 1 | $275K |
Geography
Where The Joint...the Chiropractic Place units were financed
| State | Loans | Share |
|---|---|---|
| Arizona | 9 | |
| Virginia | 6 | |
| California | 6 | |
| Texas | 5 | |
| Georgia | 4 | |
| Indiana | 3 | |
| South Carolina | 3 | |
| New Jersey | 2 |
Approvals by fiscal year
Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.
Loan sizes
- $50K - $150K36%
- $150K - $350K60%
- $350K - $1M4%
Financing a The Joint...the Chiropractic Place: common questions
- How much do lenders finance for a The Joint...the Chiropractic Place franchise?
- The median SBA loan approved for a The Joint...the Chiropractic Place franchise is $161,300, with the middle 80% of loans between $100,000 and $275,000. 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 The Joint...the Chiropractic Place franchises?
- By dollars approved, the most active SBA lenders for The Joint...the Chiropractic Place have been Simmons Bank, The Huntington National Bank, SouthState Bank, JPMorgan Chase 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 The Joint...the Chiropractic Place 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.
- Do The Joint...the Chiropractic Place SBA loans get charged off often?
- 0.0% of The Joint...the Chiropractic Place loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.
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