Togo's
22 locations
The total investment to open a Togo's franchise ranges from $150,000 - $342,800. Togo's currently operates 22 locations (22 franchised). PeerSense FPI health score: 28/100.
$150,000 - $342,800
22
22 franchised
Proprietary PeerSense metric
LimitedActive capital sources verified for Togo's financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
Referral fee at closing
FPI Score Breakdown
Established (25-99 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
SBA Lending Activity for Togo's
What is the Togo's franchise?
Togos, a distinguished name within the expansive limited-service restaurant sector, has cultivated a unique identity from its foundational roots in Manteca, California. With a current footprint encompassing 25 units, the brand has demonstrated a consistent presence and commitment to its core values over a significant period, reflecting a deliberate approach to growth and market penetration. This established history positions the brand as a compelling opportunity for prospective investors seeking to align with a proven operational framework. The company's strategic market positioning emphasizes delivering a high-quality, convenient dining experience that resonates deeply with contemporary consumer demands. While precise details of its inception and specific menu innovations remain integral to the brand's proprietary narrative, the enduring success of its 25 locations underscores a robust business model characterized by operational efficiency and a strong focus on customer satisfaction. The franchise model is designed to integrate seamlessly into diverse communities, offering a reliable dining destination that prioritizes fresh ingredients and a welcoming atmosphere. This dedication to foundational principles has allowed Togos to build a loyal customer base, contributing to its sustained appeal within the highly competitive limited-service segment. The brand’s presence, originating from California, suggests a meticulous expansion strategy that focuses on establishing strong regional clusters before broader national outreach. Its operational philosophy centers on simplicity and consistency, ensuring that every customer experience reinforces the brand’s promise of quality and convenience. This deliberate approach to brand development and franchise expansion speaks volumes about the meticulous planning and execution that define the Togos franchise system, making it a noteworthy consideration for those entering the dynamic foodservice landscape. The brand's enduring appeal is fundamentally linked to its ability to consistently meet and exceed
FPI Score
28/100
SBA Default Rate
14.8%
Active Lenders
13
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 – $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 August 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 does not lend and does not set pricing. What these terms mean.
Locations
Togo's, unit breakdown
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