100% Chiropractic Franchise Cost, Revenue & Review 2026
- Investment
- $340K – $814K
- Disclosed sales
- $780K
- gross sales, not profit
- SBA charge-off
- Limited · 39 loans
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 – $814K, including a $51K franchise fee and an ongoing 6.5% royalty[2]. Per the 2024 FDD, average unit revenue was $780K[2]. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: high - issued more than two years ago
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored7 of 7 headline figures on this page cite a page of the filing.
Overview
- Investment
- $340K – $814K
- 61st pct Healthcare
- Avg gross sales
- $780K
- 17th pct Healthcare
- Royalty
- 6.5%
- 35th pct Healthcare
- Units
- 117
- 64th pct Healthcare
- SBA charge-off
- N/A
Quick verdict · Healthcare · color = vs category peers
Green = favorable by >10% vs Healthcare median · 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 – $814K including a $51K franchise fee, 6.5% ongoing royalty.
- RETURNSAverage unit revenue of $780K/year (median $700K), with an estimated 14% cash-on-cash return (based on Clinic Net Operating Income).
- RISKVerdict B (Above average), verdict score 61/100 (higher is better).
- GROWTHPositive: net +22 franchised outlets in the latest year (27 opened, 5 closed); 59 signed but not yet open (Item 20).
- 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
- FDD Item 1, page 10 of the 2024 FDD
- Ultimate parent
- Red Iron Group Franchise Holdings, LLC and Helfrich Family Trust
- FDD Item 1, page 10 of the 2024 FDD
- 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
- $7.6M
- vs $4.4M 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 80% above the typical healthcare franchise.
Source: FDD 2024 · Items 5–7
Full Item 7 breakdown21 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 | $340K | $814K |
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 – $814K
- Middle of category vs category
- Liquid capital req'd
- $30K – $120K
- Middle of category vs category
- Franchise fee
- $51K – $51K
- Middle of category vs category
- Royalty
- 6.5%
- Set by a 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
- 7.0 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 |
| Inventory (initial) | $10K – $10K |
| 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 15% above the healthcare norm.
Source: FDD 2024 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for 100% Chiropractic until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$652K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
FDD-reported earnings
The FDD reports $150K as Clinic Net Operating Income. This is a disclosed figure, not our estimate — we publish no modelled profit for 100% Chiropractic.
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, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own 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?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
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%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
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
- 14.3%
- 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 outlets
- vs category median 20 · large
- Range (low → high)
- $163K→$1.9MCited, not corroborated — printed on page 65 of the 2024 FDD. Nothing else in our record independently restates or re-derives it.
- 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: 1.4x.
Fee burden
Total ongoing fee load of 6.5% — below the Healthcare median of 8.0%.
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 medians
How 100% Chiropractic Compares
Category median of published Healthcare brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
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
- 5
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 4.3%
- 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
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 0
- Transferred
- 9
- Reacquired
- 3
- Franchisor bought back
- Signed, not yet open
- 59
- 0.50 per open outlet · Item 20 Table 5
- Projected new
- 19
- Franchisor's next-year forecast
- 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.
Where the owners are · Item 20 owner list
97 current owners across 20 states.
- GA 17
- CO 16
- TX 15
- FL 13
- CA 8
- TN 5
- NC 4
- AZ 3
- MI 3
- MO 2
- SC 2
- AL 1
- +8 more states
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
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
- Limited · 39 loans
- Limited SBA coverage: 39 loans, rate hidden until 10 have resolved and loans reach 2% of franchised units
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Limited · 39 loans
- 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%
- n=475 loans
- 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for 100% Chiropractic from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 76%
- Avg interest rate
- 7.18%
- Lender concentration
- 46.7%
- Job velocity
- 3.0 per $100K
- NAICS benchmark
- 6.0%
- NAICS 621310
- Jobs supported
- 306
Top SBA lendersTop lender holds 47% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $4.0M | N/A |
| 2 | Citizens Bank | 4 | $1.9M | 0.0% |
| 3 | First Horizon Bank | 2 | $765K | N/A |
| 4 | Equity Bank | 2 | $707K | N/A |
| 5 | SouthState Bank, National Association | 2 | $670K | 0.0% |
| 6 | Byline Bank | 1 | $367K | N/A |
| 7 | BayFirst National Bank | 1 | $150K | N/A |
| 8 | Bank Five Nine | 1 | $428K | N/A |
| 9 | Zions Bank, A Division of | 1 | $324K | N/A |
| 10 | BNC National Bank | 1 | $538K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| COColorado | 9 | 0 | -- |
| TXTexas | 7 | 0 | -- |
| FLFlorida | 3 | 0 | 0.0% |
| AZArizona | 2 | 0 | 0.0% |
| CACalifornia | 2 | 0 | 0.0% |
| GAGeorgia | 2 | 0 | -- |
| SCSouth Carolina | 2 | 0 | 0.0% |
| ILIllinois | 1 | 0 | 0.0% |
| OKOklahoma | 1 | 0 | -- |
| TNTennessee | 1 | 0 | -- |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
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)
Franchisor (TACTIC Franchising, LLC) Statement of Income revenues: Franchise Fee, Interest Income, Marketing Fees, Royalties, Other revenue. FY2023 total $7,602,471; FY2022 $4,353,018; FY2021 $462,304.
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 61 / 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 | No territory protection |
| 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
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 – $814K, 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.
Who owns 100% Chiropractic?
100% Chiropractic is franchised by TACTIC Franchising, LLC. Its parent company is 100 Percent Franchise Holdings, LLC. The ultimate parent named in the FDD is Red Iron Group Franchise Holdings, LLC and Helfrich Family Trust. Source: FDD Item 1, 2024 filing.
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?
SBA 7(a) loan charge-off data is not available for 100% Chiropractic (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
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 B-grade franchise with a verdict score of 61 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. 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.