AlignLife Franchise Cost, Revenue & Review 2026
- Investment
- $228K – $596K
- Disclosed sales
- not disclosed
- SBA charge-off
- Limited · 17 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
AlignLife is a chiropractic and wellness franchise offering spinal adjustments, nutrition, and natural health services. Franchisees run the clinics, managing chiropractors, patient care, and membership-based visits.
FranchiseVerdict summary · 2026
A AlignLife franchise requires a total initial investment of $228K – $596K, including a $49K franchise fee and an ongoing 7.0% royalty[2]. This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. FranchiseVerdict grade: C (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: medium - issued 12 to 24 months ago; a newer filing is likely on file
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 scored4 of 4 headline figures on this page cite a page of the filing.
Overview
- Investment
- $228K – $596K
- 49th pct Healthcare
- Avg gross sales
- N/A
- Royalty
- 7.0%
- 37th pct Healthcare
- Units
- 32
- 46th 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 $228K – $596K including a $49K franchise fee, 7.0% ongoing royalty.
- RETURNSThis franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
- RISKVerdict C (Average), verdict score 40/100 (higher is better).
- GROWTHNegative: net -3 franchised outlets in the latest year (3 opened, 6 closed); 2 signed but not yet open (Item 20).
- DATAThis franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- AlignLife Systems, LLC
- Parent company
- None (no parent)
- CEO title
- CEO and Director
- Joseph Esposito
- Incorporated in
- Illinois
- HQ
- 624 W. Glen Ave., Peoria, IL 61614
- Auditor
- Kezos & Dunlavy
- Audited financials
- Franchisor revenue
- $2.8M
- vs $3.2M prior year
Same owner · FDD Item 1
12 other brands on this site name None (no parent) as parent or ultimate parent in their own FDD.
- 9ROUNDC
- ADVANTAGE COLLEGE PLANNINGB
- AMRAMPA
- Body Alive StudioC
- Ivybrook AcademyA
- JAN-PRO Commercial CleaningA
- ONEZOC
- Once Upon A ChildA
- Original Rainbow ConeC
- Pizza SchmizzaB
- SarahCareF
- True RESTC
Grouped by the owner's name as each filing prints it (this page: the 2025 FDD). Spelling variants of the same group may be listed apart; a brand is never grouped with an owner its filing does not name.
Overview
About
- CEO
- Joseph Esposito
- Headquarters
- IL
- Founded
- 2007
- FDD year
- 2025
- States available
- 12
Can you afford it, and what does the money buy?
Entry cost runs 28% above the typical healthcare franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown24 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Franchise Fee (New Franchise)not refundable | $49K | $49K | |
| Chiropractic or Other Professional Equipment (New Franchise)not refundable | $20K | $30K | |
| X-Ray Equipment (New Franchise)not refundable | $38K | $45K | |
| Bio Impedance Analysis Unit (New Franchise)not refundable | $284 | $9K | |
| Lease Deposit (New Franchise) | $6K | $9K | |
| Legal and Accounting (New Franchise)not refundable | $1K | $3K | |
| Signage (New Franchise)not refundable | $8K | $15K | |
| Furnishings (New Franchise)not refundable | $3K | $5K | |
| Millwork (New Franchise)not refundable | $24K | $31K | |
| Clinic and Architectural Design (New Franchise)not refundable | $5K | $15K | |
| Permits, Licenses (New Franchise)not refundable | $1K | $7K | |
| Center Construction (New Franchise)not refundable | $20K | $260K | |
| Insurance (New Franchise)not refundable | $500 | $2K | |
| Initial Inventory and Supplies (New Franchise)not refundable | $5K | $6K | |
| Technology Package (New Franchise)not refundable | $10K | $17K | |
| Initial Corporate Training and Annual Symposium Expenses (New Franchise)not refundable | $1K | $2K | |
| EMR Software Subscription and Start Up Fee - 3 Months (New Franchise)not refundable | $1K | $1K | |
| Merchant Services (Credit Card Processing) - 3 Months (New Franchise)not refundable | $135 | $135 | |
| QuickBooks Essential Subscription & Bookkeeping Services - 3 Months (New Franchise)not refundable | $848 | $2K | |
| VoIP Telephone Service and Start Up Equipment - 3 Months (New Franchise)not refundable | $152 | $548 | |
| Total initial investment | $228K | $596K |
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
- $228K – $596K
- Middle of category vs category
- Liquid capital req'd
- $15K – $20K
- Top 40% of category vs category
- Franchise fee
- $49K – $49K
- Top 40% of category vs category
- Royalty
- 7.0%
- Set by a formula · typical 6–8%
- Ad fund
- Marketing Fee is a flat $276.69 weekly. Local Advertising…
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 7.0% of gross sales |
| Technology fee | $126 |
| Training fee | $125 |
| Transfer fee | $29K |
| Renewal fee | $0 |
| Inventory (initial) | $5K – $6K |
| Total fee load | 7.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
AlignLife makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. The return models need a revenue figure to start from, and the operating costs that turn gross sales into a profit are in no FDD. Enter your own and the calculator runs on your assumptions — nothing here is modelled until you do.
Returns model · single-unit ROIC
What would one AlignLife 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 annual revenue, 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.
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: 2025 FDD
Financial Performance
No financial performance representation
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 7.0% (near the Healthcare median).
Disclosure
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator retention
System contracting at -3.2% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Multi-unit rate
33% of franchisees own multiple units, a moderate multi-unit rate.
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 AlignLife 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 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 32
- Opened
- 3
- Last reporting year
- Closed
- 6
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 4
- Term expired, not renewed (per Item 20)
- Turnover rate
- 18.8%
- Company-owned
- 2
- Corporate units in the system
- % franchised
- 94%
- vs corporate-owned
- Multi-unit owners
- 33.3%
- Net growth (3-yr)
- -3.2%
- Net unit change over 3 years
- 3-yr CAGR
- -3.2%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 1
- Not renewed
- 4
- Transferred
- 0
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 2
- 0.06 per open outlet · Item 20 Table 5
- Projected new
- 9
- Franchisor's next-year forecast
- Termination rate
- 15.6%
- Franchisor-initiated terminations
- Ceased ops
- 18.8%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 11 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
17 current owners across 11 states.
- GA 3
- FL 2
- IL 2
- IN 2
- NC 2
- AR 1
- MI 1
- MO 1
- NV 1
- NY 1
- SC 1
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
- 17
- Loan volume
- $3.1M
- Median loan
- $140K
- 50th percentile
- Charge-off rate
- Limited · 17 loans
- Limited SBA coverage: 17 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 · 17 loans
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 12
- Defaults
- 0
- Typical loan rate
- 8.4%
- avg rate to borrowers
- Franchised industry avg
- 8.4%
- n=475 loans
- Jobs supported
- 56
- 2.0 per loan
- Lender concentration
- 21%
- top lender's share
Borrower mix: 67% went to startups / new businesses, 33% 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 AlignLife franchisees
Showing 3 of 12 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 AlignLife from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 75%
- Avg interest rate
- 8.39%
- Lender concentration
- 21.4%
- Job velocity
- 2.0 per $100K
- NAICS benchmark
- 6.0%
- NAICS 621310
- Jobs supported
- 56
Top SBA lendersTop lender holds 21% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | BayFirst National Bank | 3 | $791K | N/A |
| 2 | The Huntington National Bank | 2 | $133K | 0.0% |
| 3 | First Mid Bank & Trust, National Association | 2 | $379K | 0.0% |
| 4 | Stearns Bank National Association | 1 | $150K | N/A |
| 5 | Florida Capital Bank, National Association | 1 | $246K | 0.0% |
| 6 | Banco Popular de Puerto Rico | 1 | $95K | N/A |
| 7 | Colony Bank | 1 | $400K | N/A |
| 8 | Citizens Bank | 1 | $391K | N/A |
| 9 | Wells Fargo Bank National Association | 1 | $100K | 0.0% |
| 10 | Celtic Bank Corporation | 1 | $130K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| FLFlorida | 3 | 0 | 0.0% |
| ILIllinois | 3 | 0 | 0.0% |
| MIMichigan | 2 | 0 | 0.0% |
| SCSouth Carolina | 2 | 0 | 0.0% |
| GAGeorgia | 1 | 0 | -- |
| NCNorth Carolina | 1 | 0 | -- |
| PRPuerto Rico | 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
AlignLife presents meaningful financial and operational risk due to declining franchisee count, lack of earnings transparency, and high capital requirements without disclosed average returns.
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
Item 3: No litigation is required to be disclosed.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Kezos & Dunlavy
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Total operating revenue FY2024 $2,780,896 (royalties and marketing fees $1,831,596; initial franchise fees $102,991; clinic service revenue $587,664; franchise service revenue $39,606; other revenue $219,039). FY2023 $3,214,020. Net loss FY2024 $(145,368). Total members' deficit $(639,660). Auditor issued clean opinion with emphasis-of-matter on recurring losses and net capital deficiency; opinion not modified.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 40 / 100 verdict
- 01MINORUnit count declining 9.1% YoY (32 units) indicates system contraction and potential market saturation or franchisee dissatisfaction
- 02MEDNo average revenue or net income disclosure (Item 19 missing) prevents accurate ROI assessment and raises transparency concerns
- 03MEDHigh investment range ($227K-$596K) combined with undisclosed profitability creates significant financial risk for franchisees
- 04MINORMinimum royalty of $175/week ($9,100/year) represents fixed overhead regardless of sales performance, creating break-even pressure
- 05MINORChiropractic/wellness franchise business model has high dependency on practitioner licensure, local competition, and patient acquisition costs
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 7.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · 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 | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 5 mi |
| Territory population | 40,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 1 year |
| Non-compete (miles)ℹ | 20 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Arbitration location | Peoria, IL |
| Jury trial waiver | Yes |
| Governing law | IL |
| Litigation count | 0 |
View Item 3 litigation summary
Item 3: No litigation is required to be disclosed.
Items 10, 11
Training & Operations
- Classroom training
- 114 hrs
- On-the-job training
- 15 hrs
- Training location
- Online, various sites determined by franchisor
- Ongoing training
- Required
- Field support
- 53 hrs/yr
- On-site visits per year
- Time to open
- 12 mo
- From signing to launch
- Site selection
- franchisee selects, franchisor approves
- 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
17 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 AlignLife franchise?
The total investment to open a AlignLife franchise ranges from $228K – $596K, with an initial franchise fee of $49K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do AlignLife franchise owners earn?
AlignLife makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns AlignLife?
AlignLife is franchised by AlignLife Systems, LLC. Its parent company is None (no parent). Source: FDD Item 1, 2025 filing.
What is Item 19 in the AlignLife 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 AlignLife FDD and qualifies whose outlets they describe.
What is AlignLife's franchise failure rate?
SBA 7(a) loan charge-off data is not available for AlignLife (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 AlignLife franchise locations are there?
As of their most recent FDD filing, AlignLife has 32 total units in the United States, including 30 franchised units and 2 company-owned units. 3 new units were opened in the latest reporting year.
Is AlignLife a good franchise to buy?
FranchiseVerdict rates AlignLife as a C-grade franchise with a verdict score of 40 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.