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PANCHEROS FRANCHISE

PANCHEROS FRANCHISE

The total investment to open a PANCHEROS FRANCHISE franchise ranges from $120,350 to $168,100. The initial franchise fee is $30,000. Ongoing royalties are 5% plus a 4% advertising fee.

What is the PANCHEROS FRANCHISE franchise?

PANCHEROS FRANCHISE is a restaurant business that makes and sells burritos and Mexican food to customers. The estimated total initial investment is $120,350 to $168,100, and the initial franchise fee is $30,000, according to the 2026 Franchise Disclosure Document.

The royalty is 5 percent of sales, and the advertising or brand fund fee is 4 percent. The franchise agreement term is 5 years.

The company is headquartered in Coralville, Iowa, and was founded in 2003.

Loan Activity Score

48/100

SBA Default Rate

0.0%

Active Lenders

11

According to its Franchise Disclosure Document or public business records, PANCHEROS FRANCHISE has 10 locations, all owned by franchisees. Public SBA loan records show 11 lenders made 12 loans to franchisees of PANCHEROS FRANCHISE. PeerSense calculates PANCHEROS FRANCHISE's score as 48 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

2026 FDD VERIFIEDLimited-Service Restaurants

Franchising since 2003 · 10 locations

Investment

$120,350 to $168,100

Franchise Fee

$30,000

Total Units

10

10 franchised

Loan Activity Score
Medium
48
SBA Lending
25
Lender Quality
9
Transparency
3
Reach
5
Momentum
6

Proprietary PeerSense metric

Fair
Capital Sources
11SBA lenders

Distinct lenders in public SBA records for PANCHEROS FRANCHISE

12

Total SBA loans

$354K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for PANCHEROS FRANCHISE

Loan Activity Score Breakdown

Growing (10 to 24 loans)

Medium Confidence
48out of 100
Fair
Market Momentum6/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence9/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency3/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint5/10

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

$4.3M

Active Lenders

11

1 selective

States

7

vs. SBA Sector Average

+10.3%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (0.0%)
Item 19 financial data disclosed

Franchise Financing Resources

SBA Loan Calculator| Franchise Funding Options| SBA Loans| Business Acquisition Financing| Equipment Financing| Bridge Loans| Compare 899 SBA Lenders| Free Deal Scan| How to Read an FDD
Related: Commercial Real Estate Loans| Private Credit

Data Insights

Key performance metrics for PANCHEROS FRANCHISE based on SBA lending data

SBA Default Rate

0.0%

10.3% below peer avg

SBA Loan Volume

12 loans

Across 11 lenders

Lender Diversity

11 lenders

Avg 1.1 loans per lender

Investment Tier

Mid range investment

$120,350 to $168,100 total

Payment Estimator

Loan Amount$96K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,246

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

PANCHEROS FRANCHISE, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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1 FDD Available for PANCHEROS FRANCHISE

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

PANCHEROS FRANCHISE

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