Food & Restaurants · lender intelligence

How to finance a Hot Head Burritos

State:

The SBA 7(a) lenders funding the most Hot Head Burritos deals, ranked from public loan records — typical Hot Head Burritos loan about $1.2M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Hot Head Burritos

$1.25M

Typical loan

range $500K–$2.49M

$1.38M

Est. purchase price

≈ loan ÷ 90%

$189,689

Cash to close

$138,333 down + fees

$16,110/mo

Typical payment

~9.5% · 10yr

$222,318/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

32 days

Typical time to fund

Lenders competing

more = leverage

8.5%

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 Hot Head Burritos

Ranked by funded Hot Head Burritos 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 →
2.3,264 loans · $846M · Miami, FLFull record →
3.7 loans · $8M · New York, NYFull record →
4.78 loans · $79M · New Orleans, LAFull record →

4+ funded Hot Head Burritos 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.

Hot Head Burritos IN004 in New Castle, IN — $250K (2025) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
34 days
Approved
7/16/2025
First disbursed
8/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,373
Annual debt service
$40K
Cash flow needed (1.25×)
$51K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Food Done Wright LLC in Wapakoneta, OH — $500K (2024) · Grow America Fund, Incorporated
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
22 days
Approved
11/14/2023
First disbursed
12/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Grow America Fund, Incorporated · Lender record →
Your business? Claim this record · Request removal
WD HHB CLEVELAND LLC in Kettering, OH — $2.5M (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (90%)
Approval → funding
13 days
Approved
5/13/2021
First disbursed
5/26/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$277K
Est. cash at closing
$382K
Monthly payment
$26,737
Annual debt service
$321K
Cash flow needed (1.25×)
$401K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Best Food Cincinnati LLC in Maineville, OH — $1.2M (2020) · purchase · Gulf Coast Bank and Trust Company
Program
7a General
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$934K (75%)
Approval → funding
32 days
Approved
10/29/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$138K
Est. cash at closing
$190K
Monthly payment
$14,941
Annual debt service
$179K
Cash flow needed (1.25×)
$224K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal

Buying a Hot Head Burritos? Start with a lender that has funded the brand

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

Agent summary

How to finance a Hot Head Burritos 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.

$1.2M typical Hot Head Burritos loan
4 lenders fund the brand
32 days typical to fund

Buyers researching a Hot Head Burritos 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 Hot Head Burritos 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/hot-head-burritos
API:: https://www.capbench.com/api/public/lenders?franchise=hot-head-burritos
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.