Offices of Chiropractors acquisitions in North Carolina: SBA loan data
Since FY2018, SBA lenders have approved 22 7(a) loans to buy an existing business classified as Offices of Chiropractors in North Carolina, totaling $14.7M. The median loan was $469,250. That is 1.4% of the 1,575 acquisition loans in North Carolina.
- Loans, FY2018-FY2026
- 22
- Median loan
- $469,250 (middle half $305,250 to $639,750)
- Top lender
- United Midwest Savings Bank National Association (27%, 6 loans)
- FY2026 loans (latest complete year)
- 5
SBA lenders approved 22 7(a) loans to buy a business classified as Offices of Chiropractors in North Carolina from FY2018-FY2026, with a median of $469,250 and a middle half of $305,250 to $639,750. United Midwest Savings Bank National Association made 27% of them. FY2026 had 5 loans.
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How Offices of Chiropractors in North Carolina compares
| Measure | Offices of Chiropractors in... | North Carolina, all industries | Offices of Chiropractors, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $469,250 | $800,000 | $285,500 | $645,250 |
| Middle half of loans | $305,250 to $639,750 | $350,000 to $1,800,000 | $155,000 to $473,500 | $283,000 to $1,465,000 |
| Average initial rate | 7.97% | 7.92% | 7.86% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 2.1% | 5.6% | 3.5% |
| Loans in sample | 22 | 1,575 | 569 | 48,902 |
The median for Offices of Chiropractors acquisition loans in North Carolina is $469,250, well below the $800,000 median for all North Carolina acquisitions, well above the $285,500 median for Offices of Chiropractors acquisitions nationwide and below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $305,250 to $639,750, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.97%, above the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Offices of Chiropractors in... | All acquisitions |
|---|---|---|
| Under $350K | 32% | 30% |
| $350K to under $1M | 50% | 33% |
| $1M to under $2M | 9% | 19% |
| $2M and over | 9% | 17% |
Most Offices of Chiropractors acquisition loans in North Carolina (82%) were under $1M, and the largest single band is $350K to under $1M at 50%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
United Midwest Savings Bank National Association made 27% of Offices of Chiropractors acquisition loans in North Carolina, and the top three lenders together made 50%. 2 of the 13 lenders involved made three or more. Only 2 lenders have repeat experience here. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 7 Offices of Chiropractors acquisition loans in North Carolina were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $351,000, below the $469,250 median across all years.
Offices of Chiropractors acquisition loans in North Carolina by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $367K | $367,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 2 | $1.2M | $620,000 | |
| FY2021 | 4 | $4.1M | $688,500 | |
| FY2022 | 3 | $756K | $260,000 | |
| FY2023 | 2 | $959K | $479,350 | |
| FY2024 | 3 | $4M | $1,173,000 | |
| FY2025 | 2 | $346K | $173,000 | |
| FY2026 | 5 | $2.9M | $473,500 |
How often do these acquisition loans fail?
Fewer than 20 Offices of Chiropractors in North Carolina acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 6 | 27.3% | $2.4M | |
| 2 | Pinnacle Bank | 3 | 13.6% | $3.9M | |
| 3 | First Bank | 2 | 9.1% | $2.9M | |
| 4 | First-Citizens Bank & Trust Company | 2 | 9.1% | $949K | |
| 5 | United FCU | 1 | 4.5% | $1.2M |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Offices of Chiropractors acquisitions in North Carolina run?
The median SBA 7(a) loan was $469,250 across 22 loans (FY2018 to FY2026), with the middle half between $305,250 and $639,750. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Chiropractors acquisitions in North Carolina?
United Midwest Savings Bank National Association (6), Pinnacle Bank (3), First Bank (2), First-Citizens Bank & Trust Company (2), United FCU (1). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Chiropractors acquisition loans fail in North Carolina?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Offices of Chiropractors acquisitions in North Carolina?
None of the 22 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy an Offices of Chiropractors business in North Carolina?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Offices of Chiropractors acquisition loans in North Carolina was $469,250, and the middle half ran $305,250 to $639,750.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 7 Offices of Chiropractors acquisition loans in North Carolina in FY2025 and FY2026.
Which banks make SBA loans for an Offices of Chiropractors business in North Carolina?
By loan count, FY2018 to FY2026: United Midwest Savings Bank National Association (6), Pinnacle Bank (3), First Bank (2), First-Citizens Bank & Trust Company (2), United FCU (1). United Midwest Savings Bank National Association made 27% of Offices of Chiropractors acquisition loans in North Carolina. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
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Related
- All North Carolina acquisitions
- Offices of Chiropractors nationally
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- Offices of Chiropractors in Florida
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Small samples move a lot: each loan in this combination is 5% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Chiropractors in North Carolina: SBA acquisition loan data", https://sbaacquisitiondata.com/state/nc/offices-of-chiropractors-621310 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/nc/offices-of-chiropractors-621310.json.