Baja Fresh, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0184)
1 deals since 2020 · typical deal $489K
1
Deals since 2020
$489K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Baja Fresh
Most Baja Fresh deals financed between $489K and $489K. Above $489K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,388
- Down payment (10%)
- $54K
- Cash to close (all-in)
- $73K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$73K)
Experience
Recent financings
- Nemmec Investments LLC in El Paso, TX — $489K (2020) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 88 months
- SBA guaranteed
- $366K (75%)
- Approval → funding
- 68 days
- Approved
- 9/23/2020
- First disbursed
- 11/30/2020
- Loan status
- Failed — $143K charged off (3/10/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
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Who funds Baja Fresh — and where
Every dot is a financed Baja Fresh — 1 mapped.
Financed Baja Fresh locations — list all 1 as text
- Nemmec Investments LLC — El Paso · $489K · FY2020 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Texas (1 loans)
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Common questions
How much does a Baja Fresh cost to buy or open?
The typical deal for Baja Fresh is $489K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $54K of buyer cash on a typical deal.
How risky is Baja Fresh?
Baja Fresh has 1 SBA loan on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Baja Fresh with an SBA loan?
Yes — Baja Fresh has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Baja Fresh franchise
Most Baja Fresh buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Baja Fresh deal financed for $489K, which points to about $54K of buyer cash on a typical purchase. Baja Fresh is listed in the SBA Franchise Directory (identifier S0184), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Baja Fresh — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Baja Fresh — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Baja Fresh — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Baja Fresh is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 1 SBA 7(a) deal since 2020
- $489K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0184)
- Top lenders: Gulf Coast Bank and Trust Company
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Baja Fresh.