SBA Loans for 100% Chiropractic Franchises
Who actually funds 100% Chiropractic SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding 100% Chiropractic SBA loans
Ranked by number of 100% Chiropractic 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 18 | $4.5M | $248K |
| 2 | Citizens Bank | 4 | $1.9M | $470K |
| 3 | SouthState Bank, National Association | 3 | $940K | $313K |
| 4 | Equity Bank | 2 | $707K | $354K |
| 5 | Byline Bank | 1 | $710K | $710K |
| 5 | First Bank of the Lake | 1 | $624K | $624K |
| 5 | Horizon Bank SSB | 1 | $446K | $446K |
| 5 | Readycap Lending, LLC | 1 | $347K | $347K |
| 5 | Bank Five Nine | 1 | $428K | $428K |
| 5 | Zions Bank, A Division of | 1 | $324K | $324K |
| 5 | Bank Michigan | 1 | $514K | $514K |
| 5 | BayFirst National Bank | 1 | $150K | $150K |
| 5 | BNC National Bank | 1 | $538K | $538K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved 100% Chiropractic loan in this period, ranked by loan count.
100% Chiropractic SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 9 | $3.1M | $345K |
| CO | 9 | $1.9M | $216K |
| CA | 4 | $1.5M | $367K |
| AZ | 2 | $966K | $483K |
| FL | 3 | $953K | $318K |
| GA | 3 | $929K | $310K |
| SC | 2 | $670K | $335K |
| TN | 1 | $577K | $577K |
| MI | 1 | $514K | $514K |
| IL | 1 | $498K | $498K |
| OK | 1 | $452K | $452K |
100% Chiropractic SBA loans by year
SBA lender notes for 100% Chiropracticfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease may not be executed. 2. Lender/CDC must ensure they secure the appropriate lien position on all collateral in accordance with the SOP 50 10. 3. If Applicant also operates under a management agreement with a third party, Lender/CDC must review the management agreement in accordance with SOP 50 10 to determine if there is affiliation between the Applicant and the management company. The Applicant is not eligible if the management company is, or is affiliated with, the franchisor.
How to use this
The lenders above have actually closed SBA 7(a) loans for 100% Chiropractic franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in — we match your 100% Chiropractic deal to a lender currently funding this brand.
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