Hot Head Burritos
The total investment to open a Hot Head Burritos franchise ranges from $109,960 to $1.2M. The initial franchise fee is $26,000. Ongoing royalties are 6%.
What is the Hot Head Burritos franchise?
Hot Head Burritos is a quick service restaurant where customers order customizable burritos, bowls, and tacos. The estimated total initial investment is $109,960 to $1,238,700, and the initial franchise fee is $26,000.
The ongoing royalty is 6 percent of sales. The company is headquartered in Delaware, OH.
Loan Activity Score
42/100
SBA Default Rate
0.0%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, Hot Head Burritos has 13 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 12 loans to franchisees of Hot Head Burritos. PeerSense calculates Hot Head Burritos's score as 42 out of 100, using public SBA loan performance and recent lending activity.
13 locations
$109,960 to $1.2M
$26,000
13
13 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Hot Head Burritos
12
Total SBA loans
$594K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Hot Head Burritos
Loan Activity Score Breakdown
Growing (10 to 24 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
12
Total Volume
$7.1M
Active Lenders
5
States
2
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 Hot Head Burritos based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
12 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 2.4 loans per lender
Investment Tier
Significant investment
$109,960 to $1,238,700 total
Hot Head Burritos: 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
2019
5 approvals. The best year on record for Hot Head Burritos.
Top SBA State
Ohio
14 SBA financed Hot Head Burritos locations, the densest operator footprint.
Average Loan Size
$426K
Median $252K. Use as a sizing anchor when modeling your own Hot Head Burritos unit.
Lender Concentration
80%
Concentrated
Share of Hot Head Burritos approvals captured by the top 3 SBA lenders.
Hot Head Burritos's SBA lending pipeline peaked in 2019 (5 approvals). The last five fiscal years account for 25% of cumulative volume ($3.2M approved). Operator density is highest in Ohio with 14 SBA financed locations. Average funded ticket sits at $426K, with the median at $252K. 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
$1,138
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
Hot Head Burritos, unit breakdown
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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