Food & Restaurants · lender intelligence

How to finance a Del Taco

State:

The SBA 7(a) lenders funding the most Del Taco deals, ranked from public loan records — typical Del Taco loan about $1.5M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Del Taco

$1.47M

Typical loan

range $880K–$2.39M

$1.63M

Est. purchase price

≈ loan ÷ 90%

$223,456

Cash to close

$162,778 down + fees

$18,957/mo

Typical payment

~9.5% · 10yr

$261,607/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

55 days

Typical time to fund

Lenders competing

more = leverage

6.94%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Del Taco

Ranked by funded Del Taco loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.105 loans · $164M · Brookline, MAFull record →
3.66 loans · $68M · Milford, IAFull record →
4.27 loans · $28M · Oak Ridge, LAFull record →
5.159 loans · $307M · Garden Grove, CAFull record →
6.4 loans · $3M · Atlanta, GAFull record →
7.75 loans · $98M · Sioux Falls, SDFull record →
8.88 loans · $96M · Muncie, INFull record →
9.16 loans · $21M · Las Vegas, NVFull record →

14+ funded Del Taco deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

SLK Holdings LLC in Bedford, IN — $1.2M (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$908K (75%)
Approved
2/4/2026
Loan status
Committed
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SLK Holdings LLC in Bedford, IN — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
2/4/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
J&M DHILLON INC in Brawley, CA — $1.6M (2025) · US Metro Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
87 days
Approved
6/9/2025
First disbursed
9/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by US Metro Bank · Lender record →
Your business? Claim this record · Request removal
Del Taco in Durham, NC — $3.1M (2024) · Bank of Oak Ridge
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
40 days
Approved
8/16/2024
First disbursed
9/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank of Oak Ridge · Lender record →
Your business? Claim this record · Request removal
KOTLA Incorporated in Ventura, CA — $1.2M (2024) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$919K (75%)
Approval → funding
30 days
Approved
1/13/2024
First disbursed
2/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$136K
Est. cash at closing
$187K
Monthly payment
$15,851
Annual debt service
$190K
Cash flow needed (1.25×)
$238K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
PORT ORANGE 1 LLC in Port Orange, FL — $2.4M (2023) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
249 months
SBA guaranteed
$1.8M (75%)
Approval → funding
65 days
Approved
9/27/2023
First disbursed
12/1/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
52
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
CJR RESTAURANTS, LLC in Huntington Beach, CA — $3.5M (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.65% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
9 days
Approved
10/25/2021
First disbursed
11/3/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
75
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
RAM RESTAURANTS INC in Durham, NC — $1.5M (2022) · United Community Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
309 months
SBA guaranteed
$1.1M (75%)
Approved
7/26/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
RAM RESTAURANTS INC in Durham, NC — $880K (2022) · United Community Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$660K (75%)
Approval → funding
10 days
Approved
7/26/2022
First disbursed
8/5/2022
Loan status
Paid in full (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
CJR RESTAURANTS, LLC in Corona, CA — $1.5M (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.15% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
190 days
Approved
12/7/2020
First disbursed
6/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
HR&K WeCare Inc in Collierville, TN — $3.6M (2020) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$2.7M (75%)
Approved
4/24/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Existing or more than 2 years old
Industry
Child Day Care Services
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
MK Fayetteville LLC in Roswell, GA — $1.3M (2020) · Georgia's Own Credit Union
Program
Preferred Lenders Program
Rate at approval
4.25% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$939K (75%)
Approval → funding
55 days
Approved
4/22/2020
First disbursed
6/16/2020
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
104
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Georgia's Own Credit Union · Lender record →
Your business? Claim this record · Request removal
WGAS TACOS 2 INC. in Santa Clarita, CA — $578K (2020) · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
126 months
SBA guaranteed
$434K (75%)
Approval → funding
102 days
Approved
12/20/2019
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
74
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
HR&K WeCare Inc in Collierville, TN — $229K (2020) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
12 mo (1 yrs)
SBA guaranteed
$114K (50%)
Approved
5/8/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Existing or more than 2 years old
Industry
Child Day Care Services
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Del Taco businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Del Taco purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

$1.5M typical Del Taco loan
10 lenders fund the brand
55 days typical to fund

Buyers researching a Del Taco typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Del Taco record

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/lenders/franchise/del-taco
API:: https://www.capbench.com/api/public/lenders?franchise=del-taco
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.