Moe's Southwest Grill
The total investment to open a Moe's Southwest Grill franchise ranges from $248,440 to $1.5M. The initial franchise fee is $30,500. Ongoing royalties are 5% plus a 3% advertising fee.
What is the Moe's Southwest Grill franchise?
Moe's Southwest Grill is a restaurant where customers can order customizable meals. The estimated total initial investment is $248,440 to $1,461,400, and the initial franchise fee is $30,500, according to the 2023 Franchise Disclosure Document.
The royalty is 5 percent of sales. The liquid capital requirement is $150,000, and the net worth requirement is $1,000,000.
The brand is headquartered in Braselton, Georgia.
Loan Activity Score
49/100
SBA Default Rate
8.9%
Active Lenders
45
According to its Franchise Disclosure Document or public business records, Moe's Southwest Grill has 73 locations, all owned by franchisees. Public SBA loan records show 45 lenders made 90 loans to franchisees of Moe's Southwest Grill. PeerSense calculates Moe's Southwest Grill's score as 49 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2023 Franchise Disclosure Document.
Franchising since 2000 · 73 locations
$248,440 to $1.5M
$30,500
73
73 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Moe's Southwest Grill
90
Total SBA loans
$523K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Moe's Southwest Grill
Loan Activity Score Breakdown
Established (25 to 99 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
8.9%
vs 10.3% peer avg
SBA Loans
90
Total Volume
$47.0M
Active Lenders
45
7 selective
States
20
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 Moe's Southwest Grill based on SBA lending data
SBA Default Rate
8.9%
1.4% below peer avg
SBA Loan Volume
90 loans
Across 45 lenders
Lender Diversity
45 lenders
Avg 2.0 loans per lender
Investment Tier
Premium investment
$248,440 to $1,461,400 total
Moe's Southwest Grill: 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
2016
17 approvals. The best year on record for Moe's Southwest Grill.
Top SBA State
Georgia
15 SBA financed Moe's Southwest Grill locations, the densest operator footprint.
Average Loan Size
$523K
Median $368K. Use as a sizing anchor when modeling your own Moe's Southwest Grill unit.
Lender Concentration
17.8%
Highly Diversified
Share of Moe's Southwest Grill approvals captured by the top 3 SBA lenders.
Moe's Southwest Grill's SBA lending pipeline peaked in 2016 (17 approvals). The last five fiscal years account for 17% of cumulative volume ($15M approved). Operator density is highest in Georgia with 15 SBA financed locations. Average funded ticket sits at $523K, with the median at $368K. Lender mix is highly diversified: the top three SBA lenders account for 17.8% of approvals. Borrowers have leverage to shop multiple credit boxes.
Payment Estimator
Estimated Monthly Payment
$2,572
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
Moe's Southwest Grill, unit breakdown
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Page 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