Taco Bell, 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 S1704)

9 deals since 2020 · typical deal $1.1M

Deals since 2020

$1.1M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Taco Bell has 9 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 Taco Bell

Most Taco Bell deals financed between $941K and $1.10M. Above $1.10M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.07M

Monthly payment (10-yr): $14,041
Down payment (10%): $119K
Cash to close (all-in): $164K

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 ~$164K)

Experience

Recent financings

TACO BELL RESTAURANTS in Frisco, CO — $1.1M (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$805K (75%)
Approved
9/27/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
46
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
SoMa Enterprises 1 LLC dba Wheaton Tacos in Wheaton, MD — $150K (2024) · Colony Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
0 days
Approved
3/22/2024
First disbursed
3/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
FARNAJ FOODS CORPORATION in Burbank, CA — $1.0M (2023) · US Metro Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
17 days
Approved
8/21/2023
First disbursed
9/7/2023
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by US Metro Bank · Lender record →
Your business? Claim this record · Request removal
BURGERLICIOUS IV INC in Yonkers, NY — $941K (2022) · Citizens Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$706K (75%)
Approval → funding
0 days
Approved
1/28/2022
First disbursed
1/28/2022
Loan status
Paid in full (10/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Citizens Bank, National Association · Lender record →
Your business? Claim this record · Request removal
KAI Cortlandt LLC in Cortlandt Manor, NY — $2.5M (2021) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.99% fixed
Term
179 months
SBA guaranteed
$2.3M (90%)
Approval → funding
14 days
Approved
6/14/2021
First disbursed
6/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Keystone Carmel Property LLC in Nyack, NY — $2.6M (2020) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
179 months
SBA guaranteed
$1.9M (75%)
Approval → funding
17 days
Approved
1/7/2020
First disbursed
1/24/2020
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
United White Plains LLC in Bronx, NY — $1.1M (2020) · First Commerce Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$825K (75%)
Approval → funding
4 days
Approved
9/18/2020
First disbursed
9/22/2020
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Commerce Bank
Your business? Claim this record · Request removal
P J Enterprises, Inc. in Lynn Haven, FL — $1.1M (2020) · Truist Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$812K (75%)
Approval → funding
91 days
Approved
5/1/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
65
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
United Rockaway LLC in Far Rockaway, NY — $850K (2020) · First Commerce Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$638K (75%)
Approval → funding
4 days
Approved
9/18/2020
First disbursed
9/22/2020
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Commerce Bank
Your business? Claim this record · Request removal

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Who funds Taco Bell — and where

Every dot is a financed Taco Bell — 9 mapped.

Financed Taco Bell locations — list all 9 as text

P J Enterprises, Inc. — Lynn Haven · $1.1M · FY2020 · Limited-Service Restaurants
United White Plains LLC — Bronx · $1.1M · FY2020 · Limited-Service Restaurants
United Rockaway LLC — Far Rockaway · $850K · FY2020 · Full-Service Restaurants
SoMa Enterprises 1 LLC dba Wheaton Tacos — Wheaton · $150K · FY2024 · Limited-Service Restaurants
TACO BELL RESTAURANTS — Frisco · $1.1M · FY2024 · Limited-Service Restaurants
FARNAJ FOODS CORPORATION — Burbank · $1.0M · FY2023 · Limited-Service Restaurants
Keystone Carmel Property LLC — Nyack · $2.6M · FY2020 · Full-Service Restaurants
BURGERLICIOUS IV INC — Yonkers · $941K · FY2022 · Limited-Service Restaurants
KAI Cortlandt LLC — Cortlandt Manor · $2.5M · FY2021 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.New York (5 loans)
2.Florida (1 loans)
3.Maryland (1 loans)
4.Colorado (1 loans)
5.California (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Taco Bell 2 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 Taco Bell lending specialist.

Common questions

How much does a Taco Bell cost to buy or open?

The typical deal for Taco Bell is $1.1M across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $118K of buyer cash on a typical deal.

How risky is Taco Bell?

Taco Bell 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 Taco Bell with an SBA loan?

Yes — Taco Bell 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 Taco Bell franchise

Most Taco Bell 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 Taco Bell deal financed for $1.1M, which points to about $118K of buyer cash on a typical purchase. Taco Bell is listed in the SBA Franchise Directory (identifier S1704), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Taco Bell — 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 Taco Bell — 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 Taco Bell — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Taco Bell 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
$1.1M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1704)
Top lenders: First Commerce Bank, TD Bank, National Association, Truist 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/taco-bell
API:: https://www.capbench.com/api/public/franchises/taco-bell
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 Taco Bell.