The Toasted Yolk Cafe
The total investment to open a The Toasted Yolk Cafe franchise ranges from $95,500 to $1.7M. The initial franchise fee is $45,000. Ongoing royalties are 5% plus a 0.5% advertising fee.
What is the The Toasted Yolk Cafe franchise?
The Toasted Yolk Cafe is a restaurant serving breakfast and lunch. The estimated total initial investment is $95,500 to $1,668,000, and the initial franchise fee is $45,000.
The royalty is 5 percent of sales, and the advertising or brand fund fee is 0.5 percent. The franchise agreement term is 10 years.
The Toasted Yolk Cafe was founded in 2010 and is headquartered in AMARILLO, TX.
Loan Activity Score
63/100
SBA Default Rate
2.3%
Active Lenders
22
According to its Franchise Disclosure Document or public business records, The Toasted Yolk Cafe has 28 locations, all owned by franchisees. Public SBA loan records show 22 lenders made 43 loans to franchisees of The Toasted Yolk Cafe. PeerSense calculates The Toasted Yolk Cafe's score as 63 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2010 · 28 locations
$95,500 to $1.7M
$45,000
28
28 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for The Toasted Yolk Cafe
43
Total SBA loans
$919K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for The Toasted Yolk Cafe
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
2.3%
vs 10.3% peer avg
SBA Loans
43
Total Volume
$39.5M
Active Lenders
22
3 selective
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 The Toasted Yolk Cafe based on SBA lending data
SBA Default Rate
2.3%
8.0% below peer avg
SBA Loan Volume
43 loans
Across 22 lenders
Lender Diversity
22 lenders
Avg 2.0 loans per lender
Investment Tier
Premium investment
$95,500 to $1,668,000 total
The Toasted Yolk Cafe: 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
2025
10 approvals. The best year on record for The Toasted Yolk Cafe.
Top SBA State
Texas
33 SBA financed The Toasted Yolk Cafe locations, the densest operator footprint.
Average Loan Size
$919K
Median $820K. Use as a sizing anchor when modeling your own The Toasted Yolk Cafe unit.
Lender Concentration
30.2%
Moderately Spread
Share of The Toasted Yolk Cafe approvals captured by the top 3 SBA lenders.
The Toasted Yolk Cafe's SBA lending pipeline peaked in 2025 (10 approvals). The last five fiscal years account for 81% of cumulative volume ($34M approved). Operator density is highest in Texas with 33 SBA financed locations. Average funded ticket sits at $919K, with the median at $820K. Lender mix is moderately spread: the top three SBA lenders account for 30.2% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$989
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
The Toasted Yolk Cafe, 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