100% ChiropracticFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A 100% Chiropractic franchise requires a total initial investment of $340K – $782K, including a $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]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $340K – $782K
- 57th pct Healthcare
- Avg gross sales
- $780K
- 21st pct Healthcare
- Royalty
- 6.5%
- 33rd pct Healthcare
- Units
- 117
- 63rd pct Healthcare
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Healthcare · color = vs category peers
Green = >15% above Healthcare avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Only 0.0% of 39 SBA loans charged off, well below the 16% franchise average.
Franchised units fell from 111 to 4 over 3 years. Investigate why operators are leaving.
27% cash-on-cash return (based on P&L Bottom Line). Within the 15-30% range most franchise investors consider acceptable.
Bottom line
- Total investment $340K – $782K including a $51K franchise fee, 6.5% ongoing royalty.
- Average unit revenue of $780K/year (median $700K), with an estimated 27% cash-on-cash return (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 25/100. SBA loan charge-off rate of 0.0% across 39 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- System growing at 85.0% CAGR over 3 years with 117 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- TACTIC Franchising, LLC
- Parent company
- 100 Percent Franchise Holdings, LLC
- Ultimate parent
- Red Iron Group Franchise Holdings, LLC and Helfrich Family Trust
- 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
- DE
- 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
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.
- CEO
- Dr. Jason Helfrich
- Headquarters
- AZ
- Founded
- 2004
- FDD year
- 2024
- States available
- 22
FDD Item 7 · 2024 filing · 22 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.
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
19%
EBITDA / total invested capital
Payback
5.3 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $340K – $782K
- Near category avg vs category
- Liquid capital req'd
- $30K – $120K
- Near category avg vs category
- Franchise fee
- $51K – $51K
- Near category avg vs category
- Royalty
- 6.5%
- percentage · typical 6–8%
- Ad fund
- $800
- Total fee load
- 6.5%
- vs 9–13% typical
- Payback period
- 3.7 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.
Financial Performance
- Avg gross sales
- $780K
- Per unit, per year
- Median gross sales
- $700K
- Avg p&l bottom line
- $150K
- Reported as P&L Bottom Line in FDD Item 19
- Cash-on-cash
- 26.7%
- Based on P&L Bottom Line / investment midpoint
- Item 19 type
- Historical
- Sample size
- 83 units
- vs category median 12 · large
- Range (low → high)
- $163K→$1.9M
- Cohort dispersion (min → max)
- Transparency
- 10 / 5
- vs category median 4 / 5 · above
Compared against 201 Healthcare brands
vs Healthcare averages
How 100% Chiropractic Compares
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
- 1.7%
- Company-owned
- 6
- Corporate units in the system
- % franchised
- 95%
- vs corporate-owned
- Net growth (yr3)
- +24.7%
- Net unit change last year
- 3-yr CAGR
- +85.0%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 9
- 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
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.
Risk analysis
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.
Litigation (Item 3)
No litigation is required to be disclosed in this Item.
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 25 / 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
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | Radius |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | No |
| Termination notice | 10 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Arizona |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in this Item.
Items 10, 11
Training & Operations
- Classroom training
- 34 hrs
- On-the-job training
- 148 hrs
- Training location
- approved training office
- Time to open
- 6 mo
- From signing to launch
- 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 – $782K, 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 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 risk score of 25 out of 100, 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.
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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.