Food & Restaurants · lender intelligence

How to finance a TacoTime

State:

The SBA 7(a) lenders funding the most TacoTime deals, ranked from public loan records — typical TacoTime loan about $427K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance TacoTime

$427K

Typical loan

range $50K–$764K

$474K

Est. purchase price

≈ loan ÷ 90%

$63,413

Cash to close

$47,411 down + fees

$5,521/mo

Typical payment

~9.5% · 10yr

$76,190/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

8.71%

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 TacoTime

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

1.13 loans · $18M · Roseburg, ORFull record →
2.3,264 loans · $846M · Miami, FLFull record →
3.16 loans · $18M · Chicago, ILFull record →
4.328 loans · $134M · Cleveland, OHFull record →
5.149 loans · $135M · Mukwonago, WIFull record →

10+ funded TacoTime 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.

786 ZH, LLC in Houston, TX — $950K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$713K (75%)
Approved
3/19/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
R & V Marketing Services, Inc. in Roseburg, OR — $50K (2026) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
14 days
Approved
1/8/2026
First disbursed
1/22/2026
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Taco Time Roosevelt LLC in Roosevelt, UT — $365K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
124 months
SBA guaranteed
$274K (75%)
Approved
3/15/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
R & V Marketing Services, Inc. in Meridian, ID — $50K (2024) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
13.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
11 days
Approved
11/24/2023
First disbursed
12/5/2023
Loan status
Paid in full (1/31/2026)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
55
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
T&C Marketing Services, LLC in Baker City, OR — $50K (2024) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
13.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
12/2/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Kepler Fare Inc. in Kaysville, UT — $963K (2022) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$722K (75%)
Approval → funding
13 days
Approved
4/22/2022
First disbursed
5/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
T&C Marketing Services, LLC in Baker City, OR — $661K (2021) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$595K (90%)
Approval → funding
22 days
Approved
6/14/2021
First disbursed
7/6/2021
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
J Thompson LLC in Moab, UT — $243K (2021) · America First FCU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
131 months
SBA guaranteed
$219K (90%)
Approval → funding
17 days
Approved
8/2/2021
First disbursed
8/19/2021
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by America First FCU
Your business? Claim this record · Request removal
R & V Marketing Services, Inc. in Meridian, ID — $764K (2020) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$573K (75%)
Approval → funding
72 days
Approved
11/20/2019
First disbursed
1/31/2020
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$849K
Est. down payment (10%)
$85K
Est. cash at closing
$116K
Monthly payment
$5,280
Annual debt service
$63K
Cash flow needed (1.25×)
$79K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Acropolis Properties, L.L.C. in Scipio, UT — $427K (2020) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.32% fixed
Term
228 mo (19 yrs)
SBA guaranteed
$320K (75%)
Approval → funding
161 days
Approved
4/22/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$474K
Est. down payment (10%)
$47K
Est. cash at closing
$63K
Monthly payment
$2,747
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a TacoTime? 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 TacoTime businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a TacoTime 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. Columbia Bank funds the most. CapBench is not a lender.

$427K typical TacoTime loan
6 lenders fund the brand
17 days typical to fund

Buyers researching a TacoTime 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 TacoTime 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/tacotime
API:: https://www.capbench.com/api/public/lenders?franchise=tacotime
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.