SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
THE JOINT CHIROPRACTIC (RD) franchise in Colorado: what the public record shows
Franchisees of THE JOINT CHIROPRACTIC (RD) in Colorado have taken 6 SBA loans since 1991 (average $532,666)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 8.5% is the better guide.
Loans in CO
6
Resolved
5
Local charge-off
thin
National charge-off
8.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
603
statewide, all operators
Per 100k residents
10.1
national 11.6
Versus the country
-13%
thinner
Every business in THE JOINT CHIROPRACTIC (RD)'s industry operating in Colorado — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in CO | Local charge-off | Units in CO |
|---|---|---|---|
| Pearle Vision Center | 12 | 0.0% | — |
| 100% Chiropractic | 11 | thin | — |
| AFC/AMERICAN FAMILY CARE | 8 | thin | 24 |
| Gameday Men's Health | 5 | thin | — |
| Success On The Spectrum | 5 | thin | — |
Same sector, same state, same public records — how THE JOINT CHIROPRACTIC (RD) compares to the systems a buyer in Colorado would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing THE JOINT CHIROPRACTIC (RD)'s numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →