Togo's Eatery
The total investment to open a Togo's Eatery franchise ranges from $76,500 to $452,400. The initial franchise fee is $50,000. Ongoing royalties are 5%.
What is the Togo's Eatery franchise?
Togo's Eatery is a sandwich restaurant, with an estimated total initial investment of $76,500 to $452,400. The initial franchise fee is $50,000.
The royalty is 5 percent of sales. Applicants need $300,000 in liquid capital and a net worth of $500,000.
Togo's Eatery is headquartered in ANAHEIM, CA, and was founded in 1971.
Loan Activity Score
24/100
SBA Default Rate
13.6%
Active Lenders
40
According to its Franchise Disclosure Document or public business records, Togo's Eatery has 99 locations, all owned by franchisees. Public SBA loan records show 40 lenders made 125 loans to franchisees of Togo's Eatery. PeerSense calculates Togo's Eatery's score as 24 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1971 · 99 locations
$76,500 to $452,400
$50,000
99
99 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Togo's Eatery
125
Total SBA loans
$242K
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 Eatery
Loan Activity Score Breakdown
Major Brand (100+ 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
13.6%
vs 10.3% peer avg
SBA Loans
125
Total Volume
$30.2M
Active Lenders
40
8 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 Eatery based on SBA lending data
SBA Default Rate
13.6%
3.3% above peer avg
SBA Loan Volume
125 loans
Across 40 lenders
Lender Diversity
40 lenders
Avg 3.1 loans per lender
Investment Tier
Mid range investment
$76,500 to $452,400 total
Togo's Eatery: 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 Eatery.
Top SBA State
California
121 SBA financed Togo's Eatery locations, the densest operator footprint.
Average Loan Size
$242K
Median $202K. Use as a sizing anchor when modeling your own Togo's Eatery unit.
Lender Concentration
39.2%
Moderately Spread
Share of Togo's Eatery approvals captured by the top 3 SBA lenders.
Togo's Eatery's SBA lending pipeline peaked in 2003 (22 approvals). Operator density is highest in California with 121 SBA financed locations. Average funded ticket sits at $242K, with the median at $202K. Lender mix is moderately spread: the top three SBA lenders account for 39.2% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$792
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 Eatery, 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