How much do lenders finance for a Baja Fresh Mexican Grill franchise?

The median SBA loan approved for a Baja Fresh Mexican Grill franchise is $340,000, with the middle 80% of loans between $146,700 and $675,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Baja Fresh Mexican Grill franchises?

By dollars approved, the most active SBA lenders for Baja Fresh Mexican Grill have been PCB Bank, EagleBank, Columbia Bank, JPMorgan Chase Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Baja Fresh Mexican Grill SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Baja Fresh Mexican Grill franchise

SBA lenders have approved 23 loans against the Baja Fresh Mexican Grill brand since FY2010, totalling $9.3M. The median approval was $340,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#890

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$340,000

Typical range

$147K-$675K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Baja Fresh Mexican Grill

Lender	Loans	Approved
PCB Bank	6	$2.9M
EagleBank	4	$2.0M
Columbia Bank	1	$1.3M
JPMorgan Chase Bank	3	$683K
Hanmi Bank	2	$517K
Wilmington Savings Fund Society	1	$455K
The Huntington National Bank	1	$453K
Fulton Bank	2	$300K

Geography

Where Baja Fresh Mexican Grill units were financed

State	Loans	Share
California	10
Virginia	4
District of Columbia	2
Pennsylvania	2
Florida	1
Illinois	1
Washington	1
New Jersey	1

Approvals by fiscal year

’10

’11

’12

’13

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$50K - $150K
17%
$150K - $350K
35%
$350K - $1M
39%
$1M - $2M
9%

Financing a Baja Fresh Mexican Grill: common questions

How much do lenders finance for a Baja Fresh Mexican Grill franchise?: The median SBA loan approved for a Baja Fresh Mexican Grill franchise is $340,000, with the middle 80% of loans between $146,700 and $675,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Baja Fresh Mexican Grill franchises?: By dollars approved, the most active SBA lenders for Baja Fresh Mexican Grill have been PCB Bank, EagleBank, Columbia Bank, JPMorgan Chase Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Baja Fresh Mexican Grill SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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