Caveat: I’ve never run or worked with a chiropractor so I make no claim as to the accuracy of these figures! What I’m trying to get across is the concepts … concepts that apply to almost all businesses that this monster post should help you extrapolate for yourselves.

I hope this generates debate as there are 100’s of different approaches that can be taken. The plan here looks realistic to me and is well thought through, let me know at if you can see a better approach.

This is part 1 of a 7 part series aiming to look at 7 businesses and see how we can reshape them to survive (and pref. thrive) throughout quarantine.

For our first case study, we’re going to look at chiropractors as the ideal personal service business. This model applies to any business that relies on physical proximity and sells to a largely local audience.

To base our rescue plan on as close to real-world data as possible, I’m going to base our plan on the figures you can see at In brief, their fictional plan is based on approx $45k of investment from the owner and $164k of commercial lending.

For the sake of this exercise I’m going to pretend that the chiropractor was at the end of year 2 which means our fictional chiropractor should be in the following position:

  • A cash balance in the business of $299k
  • An outstanding loan of $108k (27.5k per annum)
  • Operating Expenses of $550k ($46k per month)

With that in mind, lets get started!

1 2 3 4 5 6 7 8

With a tech career that started before internet explorer was launched, I’m a technology focussed strategist with over 25 years at the forefront of technology disruption. Historically I’ve owned and managed agencies centred around Web and Mobile transformation helping B2B and B2C companies across the globe, from SME’s to Fortune 50.

Across the years I have been through 3 mass recessions and am putting the knowledge and experience of more difficult times to use to help businesses see what they have, what they need to succeed and how to bridge the two.