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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, counted from loans lenders approved rather than projections in a disclosure document.
Rank by loan count
#1444
of 1,651 brands
Loans approved
11
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 | Share |
|---|---|---|---|
| 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 |
The industry codes most often recorded on Taco Time loans: Limited-Service Restaurants (722211), Full-Service Restaurants (722511), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (532490). Each industry page lists the lenders and other brands in the same line of business.
Approvals by fiscal year
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 - $150K9%
- $150K - $350K45%
- $350K - $1M45%
Financing a franchise unit
Guidant Financial
Funds business and franchise buyers through 401(k) rollovers (ROBS), SBA loans, and portfolio lending, often combining them in one structure. Rollover structures are common among franchise buyers because they can supply the equity injection an SBA loan requires without taking on a second loan to do it.
Check options with Guidant FinancialApproved referral partner. We may be paid when a reader we refer starts an application. It changes nothing about the figures on this page. Those come from the SBA’s federal file.
An SBA 7(a) lender
An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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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. SBA lenders typically want that injection 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 preferred-lender lists, and those 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.
SBA lenders for franchises
Lenders ranked by franchise loans made, with the brands each one financed.
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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