Togo's
The total investment to open a Togo's franchise ranges from $150,000 to $342,800.
What is the Togo's franchise?
Togos is a recognized brand in the limited service restaurant sector, with roots in Manteca, California. The company currently has 25 units and has maintained a consistent presence over an extended period. Its market position centers on convenient dining, fresh ingredients and a welcoming atmosphere, with an operating model built around simplicity and consistency.
The franchise model is intended for use in diverse communities and provides a reliable dining option. Togos has developed a loyal customer base by focusing on customer satisfaction and consistent execution. The brand’s California origins also point to an expansion strategy centered on building strong regional clusters before pursuing broader national growth.
For prospective franchise buyers, the 25 location footprint offers a basis for evaluating a system with an established operating approach. Its focus on quality, convenience and repeatable operations has supported its continued presence in the competitive limited service restaurant market.
Loan Activity Score
28/100
SBA Default Rate
14.8%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, Togo's has 22 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 27 loans to franchisees of Togo's. PeerSense calculates Togo's's score as 28 out of 100, using public SBA loan performance and recent lending activity.
22 locations
$150,000 to $342,800
22
22 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Togo's
27
Total SBA loans
$267K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Togo's
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
14.8%
vs 10.3% peer avg
SBA Loans
27
Total Volume
$7.2M
Active Lenders
13
5 selective
States
4
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 Togo's based on SBA lending data
SBA Default Rate
14.8%
4.5% above peer avg
SBA Loan Volume
27 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 2.1 loans per lender
Investment Tier
Mid range investment
$150,000 to $342,800 total
Togo's: 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
2003
22 approvals. The best year on record for Togo's.
Top SBA State
California
159 SBA financed Togo's locations, the densest operator footprint.
Average Loan Size
$282K
Median $350K. Use as a sizing anchor when modeling your own Togo's unit.
Lender Concentration
42.9%
Concentrated
Share of Togo's approvals captured by the top 3 SBA lenders.
Togo's's SBA lending pipeline peaked in 2003 (22 approvals). The last five fiscal years account for 26% of cumulative volume ($7.1M approved). Operator density is highest in California with 159 SBA financed locations. Average funded ticket sits at $282K, with the median at $350K. Lender mix is concentrated: the top three SBA lenders account for 42.9% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,553
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
Togo's, 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