Texas Roadhouse
According to its Franchise Disclosure Document or public business records, Texas Roadhouse has 5 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 5 loans to franchisees of Texas Roadhouse. PeerSense calculates Texas Roadhouse's score as 57 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document.
What is the Texas Roadhouse franchise?
Texas Roadhouse is a restaurant where guests dine in and order steaks, sides, and other meals. It serves prepared food to people eating at its restaurants, with steakhouse style meals at the center of the menu. Its customers are people looking for a meal away from home.
Loan Activity Score
57/100
SBA Default Rate
0.0%
Active Lenders
5
5 locations
5
5 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Texas Roadhouse
5
Total SBA loans
$806K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Texas Roadhouse
Loan Activity Score Breakdown
Emerging (3 to 9 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
5
Total Volume
$4.0M
Active Lenders
5
States
5
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 Texas Roadhouse based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
5 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 1.0 loans per lender
Texas Roadhouse: 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
1999
2 approvals. The best year on record for Texas Roadhouse.
Top SBA State
Puerto Rico
1 SBA financed Texas Roadhouse locations, the densest operator footprint.
Average Loan Size
$806K
Median $647K. Use as a sizing anchor when modeling your own Texas Roadhouse unit.
Lender Concentration
60%
Concentrated
Share of Texas Roadhouse approvals captured by the top 3 SBA lenders.
Texas Roadhouse's SBA lending pipeline peaked in 1999 (2 approvals). The last five fiscal years account for 20% of cumulative volume ($647K approved). Operator density is highest in Puerto Rico with 1 SBA financed locations. Average funded ticket sits at $806K, with the median at $647K. Lender mix is concentrated: the top three SBA lenders account for 60% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
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
Texas Roadhouse, 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