El Chico Cafe
Franchising since 1940 · 4 locations
The initial franchise fee is $35,000. Ongoing royalties are 5%. El Chico Cafe currently operates 4 locations (4 franchised). The top SBA 7(a) lenders for El Chico Cafe are JPMorgan Chase Bank, Readycap Lending, LLC and Newtek Small Business Finance, Inc.. PeerSense FPI health score: 37/100.
$35,000
4
4 franchised
Proprietary PeerSense metric
FairActive capital sources verified for El Chico Cafe financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Emerging (3-9 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 3 loans charged off
SBA Loans
3
Total Volume
$2.2M
Active Lenders
2
States
2
Top SBA Lenders for El Chico Cafe
What is the El Chico Cafe franchise?
El Chico Cafe represents a distinctive and enduring presence within the full-service restaurant landscape, offering an established model for culinary entrepreneurship that appeals to a specific demographic of diners seeking a particular experience. Headquartered in None, TX, this brand operates with a focused approach to its market, cultivating a unique identity within a highly competitive sector that demands consistent quality and operational excellence. The El Chico Cafe franchise provides an opportunity for aspiring business owners to engage with a segment of the dining public that values a particular atmosphere, quality ingredients, and a consistently enjoyable menu, thereby contributing to the rich and diverse tapestry of food service options available across various communities throughout the nation. The identity of the El Chico Cafe franchise is built upon principles that resonate with diners seeking a specific ambiance, fresh culinary offerings, and a consistently delightful service experience. A full-service restaurant operation like the El Chico Cafe franchise navigates a dynamic consumer environment, characterized by continuously evolving tastes, dietary preferences, and heightened expectations for service excellence and value. Potential franchisees exploring the El Chico Cafe franchise are invited to consider the foundational aspects of its operational philosophy and its strategic positioning within its chosen culinary niche, which is designed to foster repeat business and strong local engagement through a memorable brand identity. The brand maintains a specific posture in the competitive full-service restaurant arena, aiming to cater to its clientele with unwavering consistency, culinary dedication, and a commitment to a welcoming and engaging ambiance that encourages social interaction. The operational footprint of the El Chico Cafe franchise, though currently consisting of two total units, signifies a deliberate and measured expansion strategy, potentially prioritizing the meticulous refinement of the core offering and ensuring robust operational success at
FPI Score
37/100
SBA Default Rate
0.0%
Active Lenders
2
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for El Chico Cafe based on SBA lending data
SBA Default Rate
0.0%
0 of 3 loans charged off
SBA Loan Volume
3 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.5 loans per lender
El Chico Cafe — 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
2013
2 approvals — best year on record for El Chico Cafe.
Top SBA State
Texas
3 SBA-financed El Chico Cafe locations — the densest operator footprint.
Average Loan Size
$716K
Median $523K — use as a sizing anchor when modeling your own $El Chico Cafe unit.
Lender Concentration
80%
Concentrated
Share of El Chico Cafe approvals captured by the top 3 SBA lenders.
El Chico Cafe's SBA lending pipeline peaked in 2013 (2 approvals). The last five fiscal years account for 33% of cumulative volume ($901K approved). Operator density is highest in Texas with 3 SBA-financed locations. Average funded ticket sits at $716K, with the median at $523K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Locations
El Chico Cafe — unit breakdown
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