SBA Loans for The Joint Chiropractic Franchises
Who actually funds The Joint 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 The Joint Chiropractic SBA loans
Ranked by number of The Joint Chiropractic 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 25 | $4.1M | $166K |
| 2 | SouthState Bank, National Association | 18 | $6.8M | $379K |
| 3 | Simmons Bank | 11 | $3.0M | $268K |
| 4 | United Community Bank | 10 | $2.5M | $246K |
| 5 | First Bank of the Lake | 3 | $1.1M | $366K |
| 5 | Manufacturers and Traders Trust Company | 3 | $298K | $99K |
| 5 | First Internet Bank of Indiana | 3 | $1.3M | $419K |
| 8 | Happen Bank | 2 | $1.9M | $943K |
| 8 | German American Bank | 2 | $309K | $155K |
| 8 | Readycap Lending, LLC | 2 | $605K | $303K |
| 8 | TD Bank, National Association | 2 | $950K | $475K |
| 8 | Houston Federal Credit Union | 2 | $400K | $200K |
| 13 | Northeast Bank | 1 | $50K | $50K |
| 13 | Old National Bank | 1 | $221K | $221K |
| 13 | Paragon Bank | 1 | $315K | $315K |
| 13 | Peoples State Bank | 1 | $835K | $835K |
| 13 | Pinnacle Bank | 1 | $407K | $407K |
| 13 | Security State Bank and Trust | 1 | $320K | $320K |
| 13 | BayFirst National Bank | 1 | $105K | $105K |
| 13 | Wells Fargo Bank National Association | 1 | $172K | $172K |
| 13 | Beacon Bank and Trust | 1 | $2.7M | $2.7M |
| 13 | BMO Bank National Association | 1 | $300K | $300K |
| 13 | CDC Small Business Finance Corp. | 1 | $250K | $250K |
| 13 | Celtic Bank Corporation | 1 | $150K | $150K |
| 13 | Community Trust Bank, Inc. | 1 | $240K | $240K |
| 13 | Customers Bank | 1 | $282K | $282K |
| 13 | First Financial Bank | 1 | $4.3M | $4.3M |
| 13 | Fremont Bank | 1 | $970K | $970K |
| 13 | JPMorgan Chase Bank, National Association | 1 | $231K | $231K |
| 13 | Liberty Bank | 1 | $250K | $250K |
| 13 | Live Oak Banking Company | 1 | $250K | $250K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved The Joint Chiropractic loan in this period, ranked by loan count.
The Joint Chiropractic SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 8 | $5.8M | $723K |
| FL | 16 | $4.0M | $250K |
| GA | 5 | $3.8M | $758K |
| CO | 6 | $3.2M | $533K |
| WA | 3 | $2.2M | $739K |
| CA | 5 | $2.1M | $412K |
| AZ | 5 | $1.7M | $342K |
| IL | 6 | $1.4M | $232K |
| PA | 3 | $1.3M | $430K |
| OH | 8 | $1.2M | $151K |
| NC | 3 | $1.0M | $337K |
| MI | 4 | $987K | $247K |
| NY | 2 | $850K | $425K |
| IN | 4 | $746K | $186K |
| MA | 3 | $716K | $239K |
The Joint Chiropractic SBA loans by year
SBA lender notes for The Joint Chiropracticfrom the SBA Franchise Directory
1. If the Franchisor or its affiliate provides the Applicant with a loan, Lender/CDC must include the availability of the loan in the credit elsewhere determination in accordance with SOP 50 10. 2. 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 The Joint 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 The Joint Chiropractic deal to a lender currently funding this brand.
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