Food & Restaurants · lender intelligence

How to finance a Taco John's

State:

The SBA 7(a) lenders funding the most Taco John's deals, ranked from public loan records — typical Taco John's loan about $340K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Taco John's

$340K

Typical loan

range $340K–$927K

$378K

Est. purchase price

≈ loan ÷ 90%

$50,528

Cash to close

$37,778 down + fees

$4,684/mo

Typical payment

~11% · 10yr

$64,639/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

6.92%

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 Taco John's

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

1.72 loans · $30M · Oconomowoc, WIFull record →
2.105 loans · $164M · Brookline, MAFull record →
3.4 loans · $2M · Abbeville, LAFull record →
4.11 loans · $8M · Redwood Falls, MNFull record →
5.7 loans · $1M · Lincoln, NEFull record →

12+ funded Taco John's 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.

Best Taco Investments, LLC in Bozeman, MT — $1.5M (2025) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
14 days
Approved
4/15/2025
First disbursed
4/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Best Taco Investments, LLC in Livingston, MT — $780K (2025) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$585K (75%)
Approval → funding
14 days
Approved
4/15/2025
First disbursed
4/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Best Taco Investments, LLC in Miles City, MT — $452K (2025) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$339K (75%)
Approval → funding
14 days
Approved
4/15/2025
First disbursed
4/29/2025
Loan status
Current
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
HEE-FAT Investments, LLC in Luverne, MN — $40K (2025) · purchase · Minnwest Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$34K (85%)
Approval → funding
21 days
Approved
2/25/2025
First disbursed
3/18/2025
Loan status
Paid in full (12/31/2025)
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
$44K
Est. down payment (10%)
$4K
Est. cash at closing
$6K
Monthly payment
$534
Annual debt service
$6K
Cash flow needed (1.25×)
$8K
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 Minnwest Bank · Lender record →
Your business? Claim this record · Request removal
TACOS OF COMMONWEALTH LLC in Boston, MA — $1.5M (2024) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
129 months
SBA guaranteed
$1.2M (75%)
Approval → funding
92 days
Approved
6/26/2024
First disbursed
9/26/2024
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
100
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Reliance Hospitality Group LLC in Lawrence, MA — $927K (2023) · Gulf Coast Bank
Program
7a General
Rate at approval
9.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$696K (75%)
Approval → funding
61 days
Approved
12/14/2022
First disbursed
2/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Gulf Coast Bank · Lender record →
Your business? Claim this record · Request removal
Schwest Enterprises Inc in Gretna, NE — $50K (2022) · First State Bank Nebraska
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
6 days
Approved
1/4/2022
First disbursed
1/10/2022
Loan status
Paid in full (10/31/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First State Bank Nebraska · Lender record →
Your business? Claim this record · Request removal
GSD Franchises LLC in New Franken, WI — $340K (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (90%)
Approved
8/17/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
GSD Franchises LLC in New Franken, WI — $340K (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (90%)
Approved
8/17/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
GSD Franchises LLC in New Franken, WI — $340K (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (90%)
Approved
8/17/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
GSD Franchises LLC in New Franken, WI — $340K (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (90%)
Approved
8/17/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
GSD Franchises LLC in New Franken, WI — $340K (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (90%)
Approved
8/17/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal

Buying a Taco John's? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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

Agent summary

How to finance a Taco John's 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. Bank Five Nine funds the most. CapBench is not a lender.

$340K typical Taco John's loan
5 lenders fund the brand
14 days typical to fund

Buyers researching a Taco John's 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 Taco John's 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/taco-john-s
API:: https://www.capbench.com/api/public/lenders?franchise=taco-john-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.