How to Finance a FreeForm Chiropractic Franchise: Corrective Care
A FreeForm Chiropractic franchise loan finances a chiropractor-owned clinic built around corrective care, spinal decompression, soft tissue work and rehabilitation, with patients moving into a monthly wellness membership after their initial plan. Because the brand currently awards clinics to licensed chiropractors who will practice in them, lenders look at the borrower both as a clinician and as a business owner. This article covers the franchisor’s published costs, the SBA directory notes for the brand and how to structure the financing.
US Medical Funding is not affiliated with, sponsored by or endorsed by FreeForm Chiropractic; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax, billing or compliance advice. Review the current Franchise Disclosure Document (FDD) with a franchise attorney and an accountant.
FreeForm Chiropractic Franchise Loan at a Glance
- History: first clinic opened in 2015; franchise system set up in 2020; first franchised locations opened in 2022
- Founder: Dr. Jesse Jacobs, CEO and founder
- Initial franchise fee: $40,000, with additional clinics at $20,000 each if purchased upfront, per the franchisor’s FAQ
- Estimated total investment: $376,700 to $596,696, as cited from the 2025 FDD on the franchisor’s ownership page
- Royalty and marketing: 7% royalty and 2% Brand Marketing Fund contribution, both on gross revenue
- Financial qualifications: $200,000 net worth and $60,000 liquid capital
- Clinic size: 1,800 to 2,000 square feet
- Owner profile: currently licensed chiropractors as owner-operators
- SBA Franchise Directory: listed, with notes on the Lease Addendum, management agreements and professional licensing
What Is FreeForm Chiropractic?
FreeForm Chiropractic opened its first location in 2015 under founder and CEO Dr. Jesse Jacobs. The company set up its franchise system in 2020, and its first franchised clinics opened in 2022. The franchisor lists clinics in the Dallas-Fort Worth area, including Fort Worth, Plano, Colleyville, McKinney, Trophy Club, Frisco and Coppell, and describes itself as a young, growing brand.
The care model combines corrective chiropractic care with recurring wellness. New patients receive an exam and X-rays, then a customized two-to-three-month treatment plan. Afterward, they can move to a monthly Lifestyle Care membership that provides one to four visits per month at a reduced rate. Core services include corrective chiropractic care, soft tissue therapy, spinal decompression, active care rehabilitation and massage therapy.
The franchisor says clinics can be cash-based, insurance-based or a hybrid, with patients paying through insurance, out of pocket, personal injury claims or a combination. The payer mix you choose affects your cash flow timing and what a lender will want to see.
FreeForm Chiropractic Franchise Costs
Initial Franchise Fee
The franchisor’s FAQ lists a $40,000 non-refundable initial franchise fee. Additional clinics cost $20,000 each if the licenses are purchased upfront. First-time owners also pay $3,000 for the Office Launch Program before opening.
Total Investment
The franchisor’s ownership page cites a total investment of $376,700 to $596,696 from its 2025 FDD. Other pages on the franchisor’s site show different ranges, so treat Item 7 of the current FDD as the controlling source and ask the franchisor to reconcile any difference before you size your loan.
What Drives the Range
A FreeForm clinic typically occupies 1,800 to 2,000 square feet. The franchisor targets areas with 85,000 or more people within a five-mile radius, preferably near corporate hubs and growing professional populations. Costs vary most with:
- Leasehold improvements and build-out for treatment, rehab and imaging areas
- Diagnostic X-ray equipment and shielding
- Spinal decompression and adjusting tables
- Rehabilitation and soft tissue equipment
- Technology, furniture and signage
- Pre-opening and grand opening marketing
- Working capital for the early months
Ongoing Fees and How They Affect Your Loan
According to the franchisor’s FAQ, the royalty is 7% of gross revenue and the Brand Marketing Fund contribution is 2% of gross revenue, both paid monthly. Local marketing is required for one month before opening and six weeks after, subject to franchisor approval. Branded marketing materials must be purchased from pre-approved suppliers.
Together, the royalty and marketing contribution take 9% of gross revenue before rent, payroll and loan payments, which is why they shape the size of any FreeForm Chiropractic franchise loan. Lenders calculate debt service coverage after these fees, so your projections should reflect them from the first month.
Franchisor Requirements for New Owners
The franchisor lists a $200,000 net worth and $60,000 in liquid capital. At this time, it says it is awarding franchise locations to licensed chiropractors only, as owner-operators who practice in the clinic. Non-chiropractors are invited to contact the company about other involvement.
The ownership process runs through an inquiry, a discovery call, an application and FDD review, an invitation-only Discovery Day at headquarters and signing. Training lasts about four weeks and includes video-based coursework, classroom sessions and one-on-one training at headquarters, followed by on-site support during the first week of operations through the Office Launch Program.
Ways to Own a FreeForm Chiropractic Franchise
New Clinic
Most owners will open a new clinic. That means financing build-out, X-ray and treatment equipment, the franchise fee and working capital with no patient history. Our page on chiropractic practice start-up financing explains how new-clinic requests are typically structured.
Buying an Existing Clinic
As the system grows, resales may become available. Any sale requires franchisor approval. Lenders review the clinic’s collections, payer mix and patient retention. See our chiropractic practice acquisition financing page.
Multiple Clinics
The $20,000 fee for additional clinics purchased upfront gives growth-minded chiropractors a path to more than one location. Lenders generally want the first clinic stable before funding the next, and each clinic needs its own doctor coverage.
Franchise or Independent?
Before committing, compare the franchise model with opening on your own. Our article on chiropractic franchise financing vs an independent practice walks through the trade-offs.
Financing Options for a FreeForm Chiropractic Franchise
SBA 7(a) Loans
SBA 7(a) loans can combine the franchise fee, build-out, equipment and working capital in one loan. The SBA 7(a) program maximum is currently $5 million. The franchisor says it does not finance its franchise, royalty or marketing fees, so outside financing usually carries the whole project.
Equipment Financing
X-ray systems, decompression tables and rehab equipment can be financed separately through medical equipment financing, which may preserve cash or SBA capacity for build-out. Our chiropractic digital X-ray financing article compares loans and leases, and our chiropractic equipment financing and leasing page covers the broader options.
Conventional Loans
Chiropractors with established practices or strong liquidity may qualify for conventional practice loans under each lender’s own guidelines.
Working Capital
If your clinic accepts insurance or personal injury cases, payment arrives after care is delivered, sometimes much later. Even a membership-heavy clinic needs reserves while the patient base grows. A chiropractic line of credit or working capital loan can help cover that gap.
SBA Loans for FreeForm Chiropractic Franchisees
FreeForm Chiropractic is listed on the SBA Franchise Directory. The listing carries three notes. In plain English:
- Lease Addendum: if the real estate where the clinic is located will secure the SBA loan, the Lease Addendum should not be signed. It is designed for leased clinics.
- Management agreements: if the clinic also operates under a management agreement with a third party, the lender must review it under SBA rules to determine whether the borrower and the management company are affiliated. The applicant is not eligible if the management company is, or is affiliated with, the franchisor.
- Professional licensing: because the business offers licensed professional services, the lender must make sure the ownership structure meets the requirements of the state where the clinic is located.
The third note matters for any healthcare franchise. States have different rules about who may own a chiropractic practice. FreeForm’s current owner-operator chiropractor model fits that concern, but confirm your entity structure with healthcare counsel in your state before applying.
Our article on whether a new graduate chiropractor can qualify for a practice loan is useful for younger doctors. Use our SBA loan calculator to estimate payments at several loan amounts; results are for planning only.
How Lenders Evaluate a FreeForm Chiropractic Deal
Credit, Liquidity and Student Debt
Lenders review personal credit, tax returns and a personal financial statement. Many chiropractors carry student loans, so expect questions about repayment plans and how they affect personal cash flow.
Clinical and Business Experience
Because you will practice in the clinic, lenders look at your clinical experience, patient volume history and any management background. Prior associate or ownership experience helps.
Payer Mix
A cash and membership model produces faster collections, while insurance and personal injury cases can take longer to pay. Lenders want to know the mix you expect and how much working capital supports it.
Business Plan and Projections
The franchisor’s FAQ describes staffing stages from one doctor and one chiropractic assistant up to three of each. Build projections around realistic patient visits for your stage, the 7% royalty and 2% marketing fund, rent, payroll and loan payments, and show how you will reach the next staffing stage.
The FDD and Territory
Lenders review Items 5, 6 and 7 for costs, Item 12 for territory and Item 17 for term and transfer conditions. The franchisor’s FAQ notes that its territories are not exclusive and that it reserves certain rights, so read Item 12 carefully. Check Item 19 for whether financial performance representations are included, and Items 3 and 4 for litigation and bankruptcy disclosures.
Real-World Scenarios
The associate doctor. A chiropractor with several years as an associate opens a first FreeForm clinic with an SBA 7(a) loan for build-out and working capital, plus separate equipment financing for X-ray. The lender focuses on her patient volume history and personal reserves.
The practice owner adding a brand. An established chiropractor opens a FreeForm clinic in a new market. The lender considers his existing practice’s cash flow and asks how he will cover both locations clinically.
The recent graduate. A newer chiropractor with student loans meets the net worth and liquidity standards with family support. The lender reviews the source of funds and a conservative ramp-up plan.
Common Mistakes to Avoid
- Sizing the loan to a website range rather than the current FDD’s Item 7
- Overlooking the combined 9% royalty and marketing fund when projecting cash flow
- Underfunding working capital for insurance and personal injury collections
- Assuming territory protection without reading Item 12
- Choosing an ownership entity without confirming state licensing rules
Our post on chiropractic practice loan mistakes covers more pitfalls.
Next Steps to Finance Your FreeForm Chiropractic Franchise
Step 1: Get the current FDD. Review Items 5, 6, 7, 12, 17, 19 and 20 with your attorney and accountant.
Step 2: Confirm ownership rules. Check your state’s requirements for chiropractic practice ownership.
Step 3: Choose a site. Work with the franchisor to find a location that fits its population and space criteria.
Step 4: Build projections. Model patient visits, payer mix, fees, payroll and loan payments.
Step 5: Gather documents. Prepare tax returns, a personal financial statement, a CV, licenses and proof of funds.
Step 6: Apply for financing. Compare SBA 7(a), equipment and conventional options.
FreeForm Chiropractic Franchise Loan FAQs
How much does a FreeForm Chiropractic franchise cost?
The franchisor’s ownership page cites $376,700 to $596,696 from its 2025 FDD. Confirm the figures in Item 7 of the current FDD.
What is the FreeForm Chiropractic franchise fee?
$40,000, according to the franchisor’s FAQ, plus a $3,000 Office Launch Program for first-time owners.
What royalty does FreeForm charge?
7% of gross revenue, plus a 2% Brand Marketing Fund contribution.
Do I have to be a chiropractor?
At this time, the franchisor says it awards locations to licensed chiropractors only.
Is FreeForm Chiropractic eligible for SBA loans?
Yes, the brand is listed on the SBA Franchise Directory, with notes on leases, management agreements and professional licensing.
Can a FreeForm Chiropractic franchise loan cover X-ray equipment?
Yes. Equipment can be included in an SBA loan or financed separately.
How long is the franchise term?
The franchisor’s FAQ lists a 10-year term, with up to two renewal terms of 10 years each subject to franchisor approval.
Does FreeForm offer financing?
The franchisor says it does not finance its franchise, royalty or marketing fees.
Final Thoughts
A FreeForm Chiropractic franchise loan blends practice financing with franchise financing. Chiropractors who confirm their state’s ownership rules, budget for X-ray and decompression equipment, account for the combined royalty and marketing fees and hold enough working capital for their payer mix can present a stronger request.
US Medical Funding helps chiropractors finance new clinics, acquisitions, equipment and growth. Learn more about our chiropractic practice financing.
