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Taco Del Sol

Taco Del Sol

Franchising since 1997 · 5 locations

The total investment to open a Taco Del Sol franchise ranges from $39,820 - $209,740. Taco Del Sol currently operates 5 locations (5 franchised). The top SBA 7(a) lenders for Taco Del Sol are Opportunity Bank of Montana, Big Sky Economic Development C and PNC Bank. PeerSense FPI health score: 40/100.

Investment

$39,820 - $209,740

Total Units

5

5 franchised

FPI Score
Medium
40

Proprietary PeerSense metric

Fair
Capital Partners
4lenders available

Active capital sources verified for Taco Del Sol 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)

Medium Confidence
40out of 100
Fair

SBA Lending Performance

SBA Default Rate

0.0%

0 of 5 loans charged off

SBA Loans

5

Total Volume

$0.6M

Active Lenders

4

States

1

Top SBA Lenders for Taco Del Sol

What is the Taco Del Sol franchise?

Deciding whether to invest in a regional fast-casual concept requires separating authentic brand equity from geographic novelty, and for prospective franchisees evaluating the Taco Del Sol franchise opportunity, that distinction matters enormously. Taco Del Sol was born in 1997 when its first location opened on Higgins Avenue in downtown Missoula, Montana, drawing direct culinary inspiration from the iconic burrito shops of San Francisco's Mission District and translating that West Coast flavor culture into the Rocky Mountain dining landscape. The brand built its identity around being locally owned and neighborhood-integrated, a philosophical stance that differentiates it sharply from national fast-food chains operating with centralized, top-down uniformity. Through an entrepreneurial franchise program, the concept expanded steadily across Montana, establishing locations in Helena, Billings Heights, Kalispell, Butte, Hamilton, Great Falls, and multiple Missoula addresses before crossing state lines, with a notable Oregon expansion occurring on April 15, 2017, when a location opened in Four Corners. As of current data, Taco Del Sol operates 4 total units, with 3 franchised locations and headquarters now anchored in Bozeman, Montana. That compact footprint positions this brand as a genuine regional player with documented staying power in its core markets, rather than a concept at peak saturation, which carries specific implications for investors evaluating entry timing. The fast-casual Mexican segment nationally commands a total addressable market valued at approximately $72.5 billion in 2024, and Taco Del Sol's sub-scale unit count relative to that opportunity creates a compelling gap between current presence and theoretical ceiling. This analysis is produced independently by PeerSense researchers and carries no promotional relationship with the franchisor.

The industry context surrounding a Taco Del Sol franchise investment is, by almost any measure, structurally favorable. The U.S. Mexican restaurant industry generated approximately $73 billion in revenue in 2023, expanding at an annual rate of 3.5% over the prior five years, with forward projections targeting $96.4 billion by 2025 driven by a 4.7% compound annual growth rate. The fast-casual Mexican restaurant market specifically, the segment in which Taco Del Sol competes most directly, was valued at $72.5 billion in 2024 and is projected to reach $113.6 billion by 2033, representing a 5.2% CAGR from 2025 through 2033. Mexican restaurants now constitute approximately 11% of all foodservice establishments nationwide, operating across nearly 99% of U.S. counties, which demonstrates both the category's cultural penetration and the competitive density any new entrant must navigate. Limited-service Mexican outlets alone generated nearly $34 billion in revenue in 2024, a 9% year-over-year increase that significantly outpaced broader foodservice growth rates. The consumer trends driving this momentum are structural rather than cyclical: demand for fresh, customizable, health-conscious meal options continues to accelerate, and Mexican cuisine has completed its transition from ethnic specialty to mainstream American dining staple. North America is expected to contribute 59% of total growth in the global Mexican food market during the forecast period, anchoring the investment thesis firmly in domestic demand rather than export-dependent economics. The broader limited-service restaurant market is forecast to grow from $1,281.4 million in 2025 to $2,087.3 million by 2035, a 5.0% CAGR, while a parallel projection estimates a 5.71% CAGR for the same category through 2035, both figures suggesting that secular tailwinds will sustain investment returns well into the next decade. Digital ordering and delivery platform expansion is further amplifying accessible revenue channels for operators, with mobile ordering and contactless transactions emerging as the fastest-growing distribution segment across the entire limited-service category.

The Taco Del Sol franchise investment range sits between $39,820 on the low end and $209,740 at the upper boundary, a spread that positions this opportunity as one of the most accessible entry points in the fast-casual Mexican space from a pure capital perspective. To calibrate that range against industry norms, comparable fast-casual taco franchise concepts in the broader market typically carry initial investments ranging from $284,000 to well over $3 million, meaning the Taco Del Sol cost structure sits materially below the category average and in some cases represents less than 15% of the investment required by competing brands at the premium end of the spectrum. The width of the investment range, spanning approximately $170,000 from floor to ceiling, reflects the variables most familiar to restaurant franchise investors: lease terms and build-out complexity vary significantly by market and location type, equipment sourcing timelines, local permitting requirements, and the degree to which a prospective site requires conversion versus ground-up construction. The lower end of the range would be consistent with a conversion of an existing food-service space in a lower-cost Montana market, while the upper bound reflects a more fully built-out, turnkey installation in a higher-demand retail corridor. The company as a whole carries estimated annual revenue between $1 million and $10 million with a team of 11 to 50 employees, suggesting a lean but operationally functional corporate infrastructure rather than the bloated overhead structures that sometimes burden franchisees of over-engineered systems. For investors seeking SBA financing eligibility, the sub-$250,000 total investment range places this opportunity squarely within the parameters of SBA 7(a) loan programs, which typically finance up to 90% of qualifying franchise investments and can reduce the equity requirement to a fraction of the total project cost. Veterans exploring franchise ownership through the SBA Veterans Advantage program may find the Taco Del Sol franchise investment particularly accessible given the combination of low total capital requirement and the brand's Montana-market operational history spanning more than two decades. The Taco Del Sol franchise fee and ongoing royalty structure were not disclosed in publicly available materials at the time of this analysis, which means prospective franchisees should treat the Franchise Disclosure Document review as the critical step for understanding the full ongoing cost of ownership beyond initial capitalization.

Taco Del Sol's operating model is built on a philosophical commitment that distinguishes it from most franchise systems: each location is locally owned and explicitly designed to integrate into its surrounding neighborhood rather than replicate a standardized corporate aesthetic. That principle has direct operational consequences. Owners are not passive investors deploying capital into an absentee income stream. The brand's documented experience shows that successful operators like Emily Reardon, who transitioned from employee to owner, describe the changeover as manageable precisely because owner-operators have deep, hands-on familiarity with daily workflows including food preparation, customer service, register operations, and shift management. Daily operations follow the rhythms familiar to any fast-casual concept: food production for service, customer order fulfillment, point-of-sale processing, routine cleaning, and daily prep cycles, all compressed into a fast-paced service environment that Reardon herself characterized as a "fast-paced and stressful work day" during peak volume periods. The staffing model is lean, consistent with the 11-to-50 employee range estimated at the company level, with individual units drawing heavily on flexible part-time labor that has historically made these locations attractive employment options for college-market demographics, which is directly relevant given the brand's concentration in university-adjacent markets like Missoula and Bozeman. The brand's technology infrastructure includes Squarespace, Google tools, and Google Maps integration, reflecting a modern digital engagement posture that supports local SEO, digital ordering, and customer discovery, which are the fastest-growing revenue channels in the limited-service category. Menu flexibility is a documented structural advantage: owner Emily Reardon introduced a cilantro lime cream sauce for shrimp tacos available exclusively at her location, while a Butte franchisee developed a "Wrangler burrito" and a breakfast burrito program, with the franchisor explicitly supportive of owner-originated menu innovations that drive incremental traffic. Franchisee owners are also expected to conduct their own local marketing efforts, requiring functional proficiency in content writing and photography or videography, which reflects the brand's community-embedded positioning strategy rather than a reliance on corporate-driven national media spend.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Taco Del Sol, which means prospective investors cannot access audited average unit volume, median revenue, or quartile-level earnings distributions directly from the FDD as they can with more financially transparent systems. That absence of disclosure is a material consideration and should prompt any serious candidate to request franchisee contact lists from the FDD and conduct direct interviews with existing operators as part of structured due diligence. What the available public data does reveal is informative at the company aggregate level: Taco Del Sol's total estimated annual revenue falls between $1 million and $10 million across the entire system, which at 4 total units implies an average annual revenue per location somewhere in the range of $250,000 to $2.5 million, a wide band that reflects the absence of granular per-unit disclosure rather than genuine volatility. To benchmark that range against industry norms, the fast-casual Mexican restaurant segment's average unit volumes across established chains typically fall between $800,000 and $1.5 million annually, suggesting that well-positioned Taco Del Sol units in high-traffic Montana markets could plausibly operate within competitive industry parameters. The brand's Great Falls location, operated by Thom Trunkle and Kelly Keilman for 15 years before its September 15, 2023 closure, demonstrates that multi-year operational sustainability is achievable within the system, though the closure itself, which the owners attributed to a favorable sale opportunity and personal timing rather than business failure, underscores the importance of understanding the exit economics and resale market for these units. The Taco Del Sol franchise revenue potential is inherently tied to local market dynamics, given the brand's Montana concentration and community-integration model, which means investors in established markets like Missoula, where multiple locations coexist, face different unit economics than those entering greenfield markets. The PeerSense FPI Score for Taco Del Sol is 40, rated as Fair, which reflects the combination of limited disclosure, early-stage franchise system scale, and the absence of the financial transparency benchmarks that higher-rated systems provide, and should be weighted accordingly in any investment decision framework.

With 4 total units and 3 franchised locations, Taco Del Sol's growth trajectory is better described as deliberate and selective rather than aggressive or saturated, which carries dual implications for investors. On the expansion timeline, a new Missoula location opened on February 11, 2022, demonstrating continued system activity even as the Great Falls location closed in September 2023 following 15 years of continuous operation, the kind of orderly ownership transition that reflects a maturing regional brand rather than systemic distress. The brand's geographic expansion from its 1997 Missoula founding to locations spanning Montana's major population centers, plus an Oregon crossing in April 2017, traces a growth arc built on controlled, community-by-community penetration rather than speculative overexpansion. Taco Del Sol's competitive moat rests on several reinforcing advantages: two-plus decades of brand recognition in Montana's food culture, a flavor profile directly descended from the San Francisco Mission District burrito tradition, documented franchisee longevity in core markets, and a locally-integrated operating philosophy that creates genuine neighborhood loyalty difficult for national chains to replicate. The brand's digital infrastructure, including its Squarespace-based web presence, Google toolset integration, and Google Maps optimization, positions individual units to capture mobile-first discovery traffic at the local market level, which is increasingly where fast-casual dining decisions are made. The fast-casual segment's shift toward digital ordering and delivery integration represents both an operational challenge and a revenue expansion opportunity for Taco Del Sol operators, particularly as the online distribution channel continues to post the highest growth rates within limited-service dining. The brand's menu innovation culture, where owner-developed items can be introduced at the unit level, creates a natural mechanism for franchisees to respond to local consumer preferences without requiring corporate approval cycles, which supports agility in competitive markets. As the fast-casual Mexican restaurant market advances toward its projected $113.6 billion 2033 valuation, regional brands with authentic culinary identities and loyal local followings occupy a genuinely differentiated competitive position relative to mass-market national players.

The ideal Taco Del Sol franchise candidate is an owner-operator with genuine passion for community-embedded food service and realistic expectations about what a regionally concentrated, smaller-scale franchise system delivers relative to a nationally recognized chain. Emily Reardon's documented path from employee to franchisee illustrates the brand's preference for operators with hands-on operational familiarity, and her advice to conduct thorough market research before committing and to proactively seek help when needed reflects the self-reliance expectations embedded in the franchisor's locally-integrated model. Because daily operations demand active owner involvement, particularly during peak service hours in fast-paced kitchen and counter environments, candidates expecting passive or semi-absentee models should scrutinize the operational requirements carefully before proceeding. Geographic focus remains centered on Montana and adjacent Western markets, with the brand's documented presence in Missoula, Helena, Billings Heights, Kalispell, Butte, Hamilton, and Great Falls suggesting that secondary and tertiary Montana markets remain the core expansion territory. The Oregon Four Corners opening in April 2017 demonstrates that cross-state expansion is a live strategic option, and prospective franchisees in Pacific Northwest or Mountain West markets outside Montana may find greenfield opportunity in markets where the brand has yet to establish a presence. Staffing quality is a documented operational challenge cited by both owners and employee reviewers, making candidates with prior human resources experience or strong local community networks particularly well-suited to building the stable, engaged teams that high-volume fast-casual operations require. Investors should review the full FDD for term length and renewal conditions to understand the long-term economics of the franchise agreement before signing, as those terms govern the capital recovery timeline for an investment that begins at $39,820 and extends to $209,740.

Synthesizing the available data, the Taco Del Sol franchise opportunity presents a genuinely distinctive investment profile: an accessible entry cost beginning at $39,820 and capping at $209,740, rooted in a 27-year-old regional brand with documented franchisee longevity, operating in a fast-casual Mexican restaurant market worth $72.5 billion in 2024 and growing at a 5.2% CAGR toward a projected $113.6 billion by 2033. The absence of Item 19 financial performance disclosure and the PeerSense FPI Score of 40 are honest signals that this investment requires deeper due diligence than a more financially transparent system, not signals to disengage, but signals to investigate with structured rigor. The brand's sub-$210,000 investment ceiling makes it one of the most capital-accessible fast-casual franchise opportunities in the limited-service restaurant category, and its community-integration model creates a competitive dynamic that national chains structurally cannot replicate at the local level. For investors in Montana and adjacent Western markets who possess owner-operator capability, local market knowledge, and the patience to conduct thorough FDD review and direct franchisee outreach, Taco Del Sol represents a franchise opportunity that warrants serious evaluation. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the Taco Del Sol franchise cost, investment range, and performance signals against competing concepts in the fast-casual Mexican and limited-service restaurant categories. Explore the complete Taco Del Sol franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

40/100

SBA Default Rate

0.0%

Active Lenders

4

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Taco Del Sol based on SBA lending data

SBA Default Rate

0.0%

0 of 5 loans charged off

SBA Loan Volume

5 loans

Across 4 lenders

Lender Diversity

4 lenders

Avg 1.3 loans per lender

Investment Tier

Mid-range investment

$39,820 – $209,740 total

Taco Del Sol — 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

2015

3 approvals — best year on record for Taco Del Sol.

Top SBA State

Montana

7 SBA-financed Taco Del Sol locations — the densest operator footprint.

Average Loan Size

$121K

Median $117K — use as a sizing anchor when modeling your own $Taco Del Sol unit.

Lender Concentration

62.5%

Concentrated

Share of Taco Del Sol approvals captured by the top 3 SBA lenders.

Taco Del Sol's SBA lending pipeline peaked in 2015 (3 approvals). Operator density is highest in Montana with 7 SBA-financed locations. Average funded ticket sits at $121K, with the median at $117K. Lender mix is concentrated: the top three SBA lenders account for 62.5% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$32K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$412

Principal & Interest only

Locations

Taco Del Solunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Taco Del Sol