Big City Burrito
The total investment to open a Big City Burrito franchise ranges from $58,450 to $163,000. The initial franchise fee is $30,000. Ongoing royalties are 8%.
What is the Big City Burrito franchise?
Big City Burrito is a restaurant serving burritos and other Mexican food. The estimated total initial investment is $58,450 to $163,000, and the initial franchise fee is $30,000.
The royalty is 8 percent of sales. Big City Burrito is headquartered in Loveland, Colorado, and was founded in 1994.
Loan Activity Score
44/100
SBA Default Rate
0.0%
Active Lenders
3
According to its Franchise Disclosure Document or public business records, Big City Burrito has 4 locations, all owned by franchisees. Public SBA loan records show 3 lenders made 6 loans to franchisees of Big City Burrito. PeerSense calculates Big City Burrito's score as 44 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1994 · 4 locations
$58,450 to $163,000
$30,000
4
4 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Big City Burrito
6
Total SBA loans
$115K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Big City Burrito
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.3% peer avg
SBA Loans
6
Total Volume
$0.7M
Active Lenders
3
1 selective
States
1
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Big City Burrito based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
6 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 2.0 loans per lender
Investment Tier
Mid range investment
$58,450 to $163,000 total
Big City Burrito: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2005
3 approvals. The best year on record for Big City Burrito.
Top SBA State
Colorado
6 SBA financed Big City Burrito locations, the densest operator footprint.
Average Loan Size
$115K
Median $123K. Use as a sizing anchor when modeling your own Big City Burrito unit.
Lender Concentration
100%
Concentrated
Share of Big City Burrito approvals captured by the top 3 SBA lenders.
Big City Burrito's SBA lending pipeline peaked in 2005 (3 approvals). Operator density is highest in Colorado with 6 SBA financed locations. Average funded ticket sits at $115K, with the median at $123K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$605
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Big City Burrito, unit breakdown
Explore Funding for Big City Burrito
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman