How much do lenders finance for a Taco Time franchise?

The median SBA loan approved for a Taco Time franchise is $334,000, with the middle 80% of loans between $150,500 and $715,000. 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 Taco Time franchises?

By dollars approved, the most active SBA lenders for Taco Time have been First Interstate Bank, Mountain West Small Business Finance, Newtek Small Business Finance, Inc., Ameritrust CDC. 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 Taco Time SBA loans?

The median term is 20 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 Taco Time franchise

SBA lenders have approved 11 loans against the Taco Time brand since FY2010, totalling $4.4M. The median approval was $334,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1444

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$334,000

Typical range

$151K-$715K

Middle 80% of loans

Median term

20 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 Taco Time

Lender	Loans	Approved
First Interstate Bank	4	$1.3M
Mountain West Small Business Finance	2	$1.1M
Newtek Small Business Finance, Inc.	1	$715K
Ameritrust CDC	1	$563K
First Savings Bank	1	$406K
Intermountain Business Lending, Inc.	1	$196K
bankcda	1	$115K

Geography

Where Taco Time units were financed

State	Loans	Share
Wyoming	3
Utah	2
Washington	2
Idaho	1
Montana	1
South Dakota	1
Oregon	1

Approvals by fiscal year

’10

’11

’12

’14

’15

’17

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
9%
$150K - $350K
45%
$350K - $1M
45%

Financing a Taco Time: common questions

How much do lenders finance for a Taco Time franchise?: The median SBA loan approved for a Taco Time franchise is $334,000, with the middle 80% of loans between $150,500 and $715,000. 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 Taco Time franchises?: By dollars approved, the most active SBA lenders for Taco Time have been First Interstate Bank, Mountain West Small Business Finance, Newtek Small Business Finance, Inc., Ameritrust CDC. 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 Taco Time SBA loans?: The median term is 20 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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