100% Chiropractic Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
100% Chiropractic is a healthcare franchise operating chiropractic and wellness clinics offering adjustments, therapy, and supplements. Franchisees run a clinic managing chiropractors, patient care, and billing.
FranchiseVerdict summary · 2026
A 100% Chiropractic franchise requires a total initial investment of $340K – $898K, including a $8K – $51K franchise fee and an ongoing 6.5% royalty[2]. Per the 2024 FDD, average unit revenue was $780K[2]. SBA 7(a) loans show a 0.0% charge-off rate across 39 loans[1]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2024 FDD issuance
Overview
- Investment
- $340K – $898K
- 61st pct Healthcare
- Avg gross sales
- $780K
- 12th pct Healthcare
- Royalty
- 6.5%
- 30th pct Healthcare
- Units
- 117
- 65th pct Healthcare
- SBA charge-off
- 0.0%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Healthcare · color = vs category peers
Green = favorable by >10% vs Healthcare avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $340K – $898K including a $51K franchise fee, 6.5% ongoing royalty.
- RETURNSAverage unit revenue of $780K/year (median $700K), with an estimated 13% cash-on-cash return (based on Clinic Net Operating Income).
- RISKVerdict A (Strongest tier), verdict score 71/100 (higher is better). SBA loan charge-off rate of 0.0% across 39 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHSystem growing at 85.0% CAGR over 3 years with 117 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- TACTIC Franchising, LLC
- Parent company
- 100 Percent Franchise Holdings, LLC
- Ultimate parent
- Red Iron Group Franchise Holdings, LLC and Helfrich Family Trust
- Predecessor
- 100%, LLC (Predecessor)
- Prior franchisor entity
- CEO title
- Co-Founder, Chief Executive Officer, Chairman of the Board
- Dr. Jason Helfrich
- CEO experience
- 2015 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- Delaware
- HQ
- 20551 N Pima Rd., Suite 100, Scottsdale, AZ 85255
- Auditor
- Hanna, CPA
- Audited financials
- Franchisor revenue
- $4.4M
- vs $7.6M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Overview
About
- CEO
- Dr. Jason Helfrich
- Headquarters
- AZ
- FDD year
- 2024
- States available
- 22
Can you afford it, and what does the money buy?
Entry cost runs 49% above the typical healthcare franchise.
Source: FDD 2024 · Items 5–7
Full Item 7 breakdown22 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $8K | $51K | |
| Rental Security and Utility Deposits | $3K | $12K | |
| Three Months' Lease Rent | $8K | $36K | |
| Architectural | $6K | $15K | |
| Office Planning | $5K | $5K | |
| Office Millwork | $42K | $44K | |
| Leasehold Improvements | $105K | $320K | |
| Signage | $5K | $15K | |
| Office Equipment, Including Furniture and Fixtures | $6K | $9K | |
| Chiropractic or Other Professional Equipment | $16K | $32K | |
| X-Ray Machine | $39K | $40K | |
| Computer Hardware, Software, Supplies and Installation | $20K | $25K | |
| Business Licenses and Permits | $4K | $5K | |
| Professional Fees and Services | $3K | $7K | |
| Insurance (3 months) | $900 | $2K | |
| Doctor Credentialing | $750 | $2K | |
| Initial Training Expenses, Including Travel | $16K | $39K | |
| Start-up Supplies - contracts, invoices, and other office supplies | $10K | $10K | |
| Start-up Marketing Expenses through the third month of operation | $16K | $26K | |
| Marketing Expenses for Grand Opening | $0 | $1K | |
| Total initial investment | $475K | $949K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $340K – $898K
- Middle of category vs category
- Liquid capital req'd
- $30K – $120K
- Middle of category vs category
- Franchise fee
- $8K – $51K
- Middle of category vs category
- Royalty
- 6.5%
- formula · typical 6–8%
- Ad fund
- Flat fee of $800 per month (Marketing Fund contribution);…
- Total fee load
- 6.5%
- vs 9–13% typical
- Payback period
- 7.5 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.5% of gross sales |
| Technology fee | $1K |
| Transfer fee | $10K |
| Renewal fee | $5K |
| Total fee load | 6.5% of rev |
A 6.5% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
What do units actually make?
Average unit sales run 45% below the healthcare norm.
Source: FDD 2024 · Item 19
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$121K
15.5% margin
Unlevered ROIC
17%
EBITDA / total invested capital
Payback
5.7 yrs
cash-on-cash, unlevered
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
FDD-reported earnings vs. model
The FDD reports $150K as Clinic Net Operating Income. Our model estimates $121K SLEBITDA from the same revenue using category-average cost assumptions. These numbers differ because Clinic Net Operating Income deducts different expense categories than our model.
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit. The target band for an attractive franchise is 30–60% ROIC. Below that and a passive index fund likely outperforms; above that and the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses. It's the top line only. Operating costs below are category estimates. Override them to match your real lease quote, labor market, and build-out budget.
Returns model · single-unit ROIC
What would one 100% Chiropractic unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
17%
Below the 30–60% attractive-franchise band
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Levered LBO scenario · Yale Crease Capital framing
What would 25 100% Chiropractic units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$1.3M
on $6.6M purchase
Total debt
$5.3M
SBA $3.3M + senior + seller note
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2024 FDD
Financial Performance
- Avg gross sales
- $780K
- Per unit, per year
- Median gross sales
- $700K
- Avg clinic net operating income
- $150K
- Reported as Clinic Net Operating Income in FDD Item 19
- Cash-on-cash
- 13.3%
- Based on Clinic Net Operating Income / investment midpoint
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- gross sales and net operating income by quartile
- Sample size
- 83
- vs category median 20 · large
- Range (low → high)
- $163K→$1.9M
- Cohort dispersion (min → max)
- Quartile band
- $394K→$1.3M
- Bottom 25% → top 25%
- Reporting year
- 2023
- Fiscal year the figures cover
- Source filing
- FDD 2024
- Disclosed in the 2024 filing, covering 2023
- Transparency
- 10 / 10
- vs category median 3 / 10 · above
Compared against 162 Healthcare brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $780K/year in gross sales. Revenue-to-investment ratio: 1.3x.
Fee burden
Total ongoing fee load of 6.5% — below the Healthcare average of 8.8%.
Disclosure
Transparency score 10/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System expanding at 85.0% CAGR over 3 years across 117 units — operators are staying and new ones are joining.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Healthcare averages
How 100% Chiropractic Compares
Is the system healthy?
Source: FDD 2024 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 117
- Opened
- 27
- Last reporting year
- Closed
- 2
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 1.8%
- Company-owned
- 6
- Corporate units in the system
- % franchised
- 95%
- vs corporate-owned
- Net growth (3-yr)
- +85.0%
- Net unit change over 3 years
- 3-yr CAGR
- +85.0%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 27
- Closed (3yr)
- 2
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 9
- Reacquired (3yr)
- 3
- Franchisor bought back
- Transfer rate
- 7.7%
- Owners selling to other franchisees
- Ceased ops
- 1.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 20 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 39
- Loan volume
- $12.9M
- Median loan
- $383K
- 50th percentile
- Charge-off rate
- 0.0%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 13
- Defaults
- 0
- Typical loan rate
- 7.2%
- avg rate to borrowers
- Franchised industry avg
- 8.4%
- brand beats franchise avg ↓
- Jobs supported
- 306
- 3.0 per loan
- Lender concentration
- 47%
- top lender's share
Borrower mix: 83% went to startups / new businesses, 17% to established operators
Franchise vs independent — in offices of chiropractors, franchised businesses charge off at 8.4% vs 12.9% for independents — franchising is associated with 35% lower SBA default risk in this category.
Top lenders financing 100% Chiropractic franchisees
Showing 3 of 13 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into 100% Chiropractic's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 10 states
- Startup risk premium and job creation velocity
- 6-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
With a 0.0% charge-off rate across 39 loans, banks have historically viewed this brand favorably for lending.
What could kill this investment?
SBA loans charge off at 0.0% — 100% below the 16.0% national norm, i.e. lower lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Moderate-to-caution risk profile: aggressive growth metrics, undisclosed financial performance data, and lack of transparency on actual franchisee outcomes in a regulated healthcare vertical warrant deep validation before $500k+ investment.
Litigation (Item 3)
No litigation is required to be disclosed in Item 3.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Hanna, CPA
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 71 / 100 verdict
- 01MINORHigh unit growth rate (24.7% YoY) may indicate aggressive recruitment masking underlying unit economics or retention issues
- 02MINORWide investment range ($339k–$782k) suggests highly variable startup costs with unclear cost drivers and inconsistent profitability potential
- 03MINOR6.5% royalty on gross revenue (not net) reduces franchisee margins and creates incentive misalignment during slow periods
- 04MINORChiropractic industry faces regulatory scrutiny, insurance reimbursement headwinds, and state-by-state licensing complexity not addressed
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 6.5% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2024 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | none |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | No |
| Transfer requires consent | Yes |
| Termination notice | 10 days |
| Mandatory arbitration | Yes |
| Arbitration location | Scottsdale, Arizona |
| Jury trial waiver | Yes |
| Governing law | AZ |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 34 hrs
- On-the-job training
- 148 hrs
- Training location
- Approved training office / location designated by franchisor
- Ongoing training
- Required
- Time to open
- 12 mo
- From signing to launch
- Site selection
- franchisee with franchisor approval
- Franchisor financing
- Offered
- Item 10
- POS system
- ChiroHD
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: ChiroHD
Item 20 · call current owners
Franchisee Contacts
97 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
100% Chiropractic · FDD (2024) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a 100% Chiropractic franchise?
The total investment to open a 100% Chiropractic franchise ranges from $340K – $898K, with an initial franchise fee of $51K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do 100% Chiropractic franchise owners earn?
According to Item 19 of the 100% Chiropractic FDD, the average gross sales per unit is $780K. The median is $700K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Item 19 in the 100% Chiropractic FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the 100% Chiropractic FDD and qualifies whose outlets they describe.
What is 100% Chiropractic's franchise failure rate?
Based on SBA 7(a) loan data, 100% Chiropractic has a charge-off rate of 0.0% across 39 loans, meaning 0.0% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many 100% Chiropractic franchise locations are there?
As of their most recent FDD filing, 100% Chiropractic has 117 total units in the United States, including 111 franchised units and 6 company-owned units. 27 new units were opened in the latest reporting year.
Is 100% Chiropractic a good franchise to buy?
FranchiseVerdict rates 100% Chiropractic as a A-grade franchise with a verdict score of 71 out of 100 (higher is better), based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.