El Pollo Loco, 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 S0573)
9 deals since 2020 · typical deal $1.8M
9
Deals since 2020
$1.8M
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
What buyers pay for El Pollo Loco
Most El Pollo Loco deals financed between $970K and $2.35M. Above $2.35M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $23,082
- Down payment (10%)
- $196K
- Cash to close (all-in)
- $270K
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 ~$270K)
Experience
Recent financings
- EL POLLO LOCO #3810 in Tyler, TX — $2.9M (2026) · US Metro Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.2M (75%)
- Approved
- 2/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 100
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by US Metro Bank · Lender record →
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- EL POLLO LOCO 3993 in Lakewood, CO — $1.8M (2026) · Enterprise Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 8 days
- Approved
- 1/5/2026
- First disbursed
- 1/13/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Enterprise Bank & Trust · Lender record →
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- L & M Pollos, LLC in Riverside, CA — $970K (2026) · purchase · Commercial Bank of California
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $728K (75%)
- Approval → funding
- 39 days
- Approved
- 11/21/2025
- First disbursed
- 12/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $108K
- Est. cash at closing
- $148K
- Monthly payment
- $12,027
- Annual debt service
- $144K
- Cash flow needed (1.25×)
- $180K
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 Commercial Bank of California · Lender record →
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- Palmetto Quaker, LLC in Lubbock, TX — $850K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.1% variable
- Term
- 126 months
- SBA guaranteed
- $638K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- NW Pollo Loco LLC in Kent, WA — $2.4M (2025) · Summit State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 305 months
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 16 days
- Approved
- 7/7/2025
- First disbursed
- 7/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 37
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Summit State Bank · Lender record →
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- Rafmar & Sons Enterprices Inc in Venice, CA — $200K (2025) · Bank of America, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.44% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approved
- 9/29/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Bank of America, National Association · Lender record →
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- NW Pollo Loco LLC in Kent, WA — $2.0M (2024) · Summit State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 73 days
- Approved
- 9/19/2024
- First disbursed
- 12/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Summit State Bank · Lender record →
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- SONAR BIG INC in Chino, CA — $1.4M (2022) · First General Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 246 months
- SBA guaranteed
- $1.1M (75%)
- Approved
- 3/11/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 72
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First General Bank
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- Waldorf Real Estate Group LLC in Los Angeles, CA — $2.4M (2020) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.78% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 36 days
- Approved
- 10/25/2019
- First disbursed
- 11/30/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $272K
- Est. cash at closing
- $375K
- Monthly payment
- $13,988
- Annual debt service
- $168K
- Cash flow needed (1.25×)
- $210K
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 BMO Bank National Association · Lender record →
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Who funds El Pollo Loco — and where
Every dot is a financed El Pollo Loco — 9 mapped.
Financed El Pollo Loco locations — list all 9 as text
- NW Pollo Loco LLC — Kent · $2.4M · FY2025 · Limited-Service Restaurants
- Rafmar & Sons Enterprices Inc — Venice · $200K · FY2025 · Limited-Service Restaurants
- L & M Pollos, LLC — Riverside · $970K · FY2026 · Limited-Service Restaurants
- EL POLLO LOCO 3993 — Lakewood · $1.8M · FY2026 · Limited-Service Restaurants
- Palmetto Quaker, LLC — Lubbock · $850K · FY2026 · Limited-Service Restaurants
- EL POLLO LOCO #3810 — Tyler · $2.9M · FY2026 · Limited-Service Restaurants
- NW Pollo Loco LLC — Kent · $2.0M · FY2024 · Limited-Service Restaurants
- Waldorf Real Estate Group LLC — Los Angeles · $2.4M · FY2020 · Limited-Service Restaurants
- SONAR BIG INC — Chino · $1.4M · FY2022 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.California (4 loans)
- 2.Washington (2 loans)
- 3.Texas (2 loans)
- 4.Colorado (1 loans)
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Common questions
How much does a El Pollo Loco cost to buy or open?
The typical deal for El Pollo Loco is $1.8M across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $194K of buyer cash on a typical deal.
How risky is El Pollo Loco?
El Pollo Loco has 9 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 El Pollo Loco with an SBA loan?
Yes — El Pollo Loco has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a El Pollo Loco franchise
Most El Pollo Loco 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 El Pollo Loco deal financed for $1.8M, which points to about $194K of buyer cash on a typical purchase. El Pollo Loco is listed in the SBA Franchise Directory (identifier S0573), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund El Pollo Loco — 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 El Pollo Loco — 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 El Pollo Loco — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. El Pollo Loco is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 9 SBA 7(a) deals since 2020
- $1.8M typical deal
- 6 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0573)
- Top lenders: Summit State Bank, Bank of America, National Association, Commercial Bank of California
- 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 El Pollo Loco.