Togo's and TOGO'S, 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 S1803)

10 deals since 2020 · typical deal $425K

Deals since 2020

$425K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Togo's and TOGO'S has 10 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 Togo's and TOGO'S

Most Togo's and TOGO'S deals financed between $300K and $670K. Above $670K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$425K

Monthly payment (10-yr): $5,558
Down payment (10%): $47K
Cash to close (all-in): $63K

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 ~$63K)

Experience

Recent financings

Termeh LLC in East Palo Alto, CA — $995K (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
119 months
SBA guaranteed
$746K (75%)
Approval → funding
35 days
Approved
2/18/2025
First disbursed
3/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$13,351
Annual debt service
$160K
Cash flow needed (1.25×)
$200K
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 Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
TOGO'S at Diamond Plaza in Las Vegas, NV — $670K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$502K (75%)
Approval → funding
48 days
Approved
3/1/2024
First disbursed
4/18/2024
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Best Stop Inc. in Chowchilla, CA — $4.2M (2023) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.1M (75%)
Approved
2/17/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$4.6M
Est. down payment (10%)
$462K
Est. cash at closing
$639K
Monthly payment
$37,071
Annual debt service
$445K
Cash flow needed (1.25×)
$556K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
PKH Enterprises Inc in Redding, CA — $440K (2023) · Craft Bank
Program
7a General
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$330K (75%)
Approval → funding
13 days
Approved
1/13/2023
First disbursed
1/26/2023
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Craft Bank · Lender record →
Your business? Claim this record · Request removal
Togo's in San Leandro, CA — $300K (2022) · purchase · West Coast Community Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
23 days
Approved
5/11/2022
First disbursed
6/3/2022
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$4,419
Annual debt service
$53K
Cash flow needed (1.25×)
$66K
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 West Coast Community Bank · Lender record →
Your business? Claim this record · Request removal
Platinum Foods Inc in Patterson, CA — $157K (2022) · purchase · United Business Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$118K (75%)
Approval → funding
6 days
Approved
4/7/2022
First disbursed
4/13/2022
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$174K
Est. down payment (10%)
$17K
Est. cash at closing
$23K
Monthly payment
$1,723
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 United Business Bank · Lender record →
Your business? Claim this record · Request removal
Chalasani Foods Inc. in Santa Clara, CA — $350K (2021) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
22 days
Approved
12/7/2020
First disbursed
12/29/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
HSB Eateries Inc. in Pittsburg, CA — $425K (2020) · purchase · United Business Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$319K (75%)
Approval → funding
32 days
Approved
11/29/2019
First disbursed
12/31/2019
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$472K
Est. down payment (10%)
$47K
Est. cash at closing
$63K
Monthly payment
$5,100
Annual debt service
$61K
Cash flow needed (1.25×)
$77K
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 United Business Bank · Lender record →
Your business? Claim this record · Request removal
chalasani foods inc in Santa Clara, CA — $350K (2020) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
17 days
Approved
4/13/2020
First disbursed
4/30/2020
Loan status
Paid in full (1/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Syncrasy in Redwood City, CA — $273K (2020) · purchase · Exchange Bank
Program
7a General
Rate at approval
6.75% variable
Term
143 months
SBA guaranteed
$205K (75%)
Approval → funding
42 days
Approved
12/20/2019
First disbursed
1/31/2020
Loan status
Past due
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
$304K
Est. down payment (10%)
$30K
Est. cash at closing
$41K
Monthly payment
$2,788
Annual debt service
$33K
Cash flow needed (1.25×)
$42K
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 Exchange Bank · Lender record →
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Who funds Togo's and TOGO'S — and where

Every dot is a financed Togo's and TOGO'S — 10 mapped.

Financed Togo's and TOGO'S locations — list all 10 as text

Chalasani Foods Inc. — Santa Clara · $350K · FY2021 · Limited-Service Restaurants
PKH Enterprises Inc — Redding · $440K · FY2023 · Limited-Service Restaurants
Best Stop Inc. — Chowchilla · $4.2M · FY2023 · Gasoline Stations with Convenience Stores
Togo's — San Leandro · $300K · FY2022 · Limited-Service Restaurants
TOGO'S at Diamond Plaza — Las Vegas · $670K · FY2024 · Limited-Service Restaurants
Termeh LLC — East Palo Alto · $995K · FY2025 · Limited-Service Restaurants
HSB Eateries Inc. — Pittsburg · $425K · FY2020 · Limited-Service Restaurants
Syncrasy — Redwood City · $273K · FY2020 · Limited-Service Restaurants
chalasani foods inc — Santa Clara · $350K · FY2020 · Limited-Service Restaurants
Platinum Foods Inc — Patterson · $157K · FY2022 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.California (9 loans)
2.Nevada (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Togo's and TOGO'S 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 Togo's and TOGO'S lending specialist.

Common questions

How much does a Togo's and TOGO'S cost to buy or open?

The typical deal for Togo's and TOGO'S is $425K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $47K of buyer cash on a typical deal.

How risky is Togo's and TOGO'S?

Togo's and TOGO'S has 10 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 Togo's and TOGO'S with an SBA loan?

Yes — Togo's and TOGO'S 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 Togo's and TOGO'S franchise

Most Togo's and TOGO'S 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 Togo's and TOGO'S deal financed for $425K, which points to about $47K of buyer cash on a typical purchase. Togo's and TOGO'S is listed in the SBA Franchise Directory (identifier S1803), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Togo's and TOGO'S — 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 Togo's and TOGO'S — 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 Togo's and TOGO'S — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Togo's and TOGO'S is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

10 SBA 7(a) deals since 2020
$425K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1803)
Top lenders: BMO Bank National Association, United Business Bank, Craft 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/togo-s-and-togo-s
API:: https://www.capbench.com/api/public/franchises/togo-s-and-togo-s
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 Togo's and TOGO'S.