100% Chiropractic
Formerly known as TACTIC
Bottom line
- Total investment $340K – $782K including a $51K franchise fee, 6.5% ongoing royalty.
- Average unit revenue of $780K/year (median $700K). Estimated payback in 3.7 years.
- Rated STRONG with a risk score of 34/100. SBA loan default rate of 0.0% across 73 loans (below the industry average).
- System growing at 8500% CAGR over 3 years with 117 total units — strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one 100% Chiropractic unit return on the cash you put in?
Unlevered ROIC · per unit
25%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 100% Chiropractic units return on equity?
Equity IRR · 5-yr
46.6%
6.77× MOIC
Year-1 DSCR
1.94×
EBITDA ÷ debt service
Equity required
$2.4M
on $10.5M purchase
Total debt
$8.2M
SBA $5.0M + senior + seller note
Overview
About
100% Chiropractic franchisees operate chiropractic clinics providing spinal adjustments, therapeutic treatments, and wellness services to patients. Day-to-day operations include patient consultations, treatment delivery, insurance billing, staff management, and marketing to build patient volume and retention within a protected territory.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
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 phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
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.
Score breakdown · what drove the 34 / 100 rating
- 01MEDNo Item 19 (Financial Performance Representations) disclosed — cannot independently verify claimed $780k average revenue or $149k net income figures
- 02MINORHigh unit growth rate (24.7% YoY) may indicate aggressive recruitment masking underlying unit economics or retention issues
- 03MINORWide investment range ($339k–$782k) suggests highly variable startup costs with unclear cost drivers and inconsistent profitability potential
- 04MINOR6.5% royalty on gross revenue (not net) reduces franchisee margins and creates incentive misalignment during slow periods
- 05MINORChiropractic 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
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
97 numbers
One-time purchase · CSV download · Validation questions included
FDD download
100% Chiropractic · FDD (2024) PDF