California Tortilla, 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 S0335)

6 deals since 2020 · typical deal $247K

Deals since 2020

$247K

Typical deal

Deals since FY2025

—

Too few deals to score risk

California Tortilla has 6 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for California Tortilla

Most California Tortilla deals financed between $150K and $413K. Above $413K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$247K

Monthly payment (10-yr): $3,652
Down payment (10%): $27K
Cash to close (all-in): $37K

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 ~$37K)

Experience

Recent financings

P M GOODS LLC in Sicklerville, NJ — $413K (2026) · purchase · Fulton Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$310K (75%)
Approval → funding
28 days
Approved
1/23/2026
First disbursed
2/20/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$459K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$5,344
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fulton Bank, National Association · Lender record →
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Binge Brands LLC in Sicklerville, NJ — $247K (2023) · Fulton Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$185K (75%)
Approval → funding
29 days
Approved
2/8/2023
First disbursed
3/9/2023
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Fulton Bank, National Association · Lender record →
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Gaithersburg Food, LLC in Columbia, MD — $795K (2021) · Fund-Ex Solutions Group, LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$715K (90%)
Approved
9/7/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Fund-Ex Solutions Group, LLC
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R&M UNALIYA LLC in Sicklerville, NJ — $118K (2021) · purchase · Fulton Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (85%)
Approval → funding
35 days
Approved
10/26/2020
First disbursed
11/30/2020
Loan status
Paid in full (4/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$131K
Est. down payment (10%)
$13K
Est. cash at closing
$17K
Monthly payment
$1,310
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fulton Bank, National Association · Lender record →
Your business? Claim this record · Request removal
LAABH NC LLC in Durham, NC — $200K (2020) · Truist Bank
Program
Preferred Lenders Program
Rate at approval
5.8% fixed
Term
90 months
SBA guaranteed
$150K (75%)
Approval → funding
74 days
Approved
11/18/2019
First disbursed
1/31/2020
Loan status
Paid in full (11/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
E&A Eats, Inc in Wichita, KS — $150K (2020) · Andover State Bank
Program
7a General
Rate at approval
6.75% fixed
Term
41 months
SBA guaranteed
$113K (75%)
Approval → funding
37 days
Approved
1/23/2020
First disbursed
2/29/2020
Loan status
Failed — $59K charged off (12/12/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Andover State Bank
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Who funds California Tortilla — and where

Every dot is a financed California Tortilla — 6 mapped.

Financed California Tortilla locations — list all 6 as text

Binge Brands LLC — Sicklerville · $247K · FY2023 · Full-Service Restaurants
P M GOODS LLC — Sicklerville · $413K · FY2026 · Limited-Service Restaurants
R&M UNALIYA LLC — Sicklerville · $118K · FY2021 · Limited-Service Restaurants
LAABH NC LLC — Durham · $200K · FY2020 · Limited-Service Restaurants
E&A Eats, Inc — Wichita · $150K · FY2020 · Limited-Service Restaurants
Gaithersburg Food, LLC — Columbia · $795K · FY2021 · Limited-Service Restaurants

Top lenders for this brand

1.Fulton Bank, National Association(3)
2.Truist Bank(1)
3.Andover State Bank (1)
4.Fund-Ex Solutions Group, LLC (1)

Most active states

1.New Jersey (3 loans)
2.North Carolina (1 loans)
3.Kansas (1 loans)
4.Maryland (1 loans)

Represent California Tortilla?

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Insider move

Start with the lenders above — a bank that's funded California Tortilla 3 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable California Tortilla lending specialist.

Common questions

How much does a California Tortilla cost to buy or open?

The typical deal for California Tortilla is $247K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $27K of buyer cash on a typical deal.

How risky is California Tortilla?

California Tortilla has 6 SBA loans 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 California Tortilla with an SBA loan?

Yes — California Tortilla has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a California Tortilla franchise

Most California Tortilla 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 California Tortilla deal financed for $247K, which points to about $27K of buyer cash on a typical purchase. California Tortilla is listed in the SBA Franchise Directory (identifier S0335), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund California Tortilla — 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 California Tortilla — 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 California Tortilla — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. California Tortilla is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

6 SBA 7(a) deals since 2020
$247K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0335)
Top lenders: Fulton Bank, National Association, Truist Bank, Andover State Bank

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/california-tortilla
API:: https://www.capbench.com/api/public/franchises/california-tortilla
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 California Tortilla.