Food & Restaurants · lender intelligence
How to finance a El Pollo Loco
The SBA 7(a) lenders funding the most El Pollo Loco deals, ranked from public loan records — typical El Pollo Loco loan about $1.8M. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with El Pollo Loco
Ranked by funded El Pollo Loco loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.13 loans · $16M · Santa Rosa, CAFull record →
- 2.40 loans · $42M · Irvine, CAFull record →
- 3.97 loans · $156M · Clayton, MOFull record →
- 4.1,296 loans · $1.4B · Wilmington, NCFull record →
- 5.159 loans · $307M · Garden Grove, CAFull record →
- 6.16 loans · $18M · Chicago, ILFull record →
9+ funded El Pollo Loco deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- EL POLLO LOCO #3810 in Tyler, TX — $2.9M (2026) · US Metro Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.2M (75%)
- Approved
- 2/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 100
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by US Metro Bank · Lender record →
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- EL POLLO LOCO 3993 in Lakewood, CO — $1.8M (2026) · Enterprise Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 8 days
- Approved
- 1/5/2026
- First disbursed
- 1/13/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Enterprise Bank & Trust · Lender record →
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- L & M Pollos, LLC in Riverside, CA — $970K (2026) · purchase · Commercial Bank of California
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $728K (75%)
- Approval → funding
- 39 days
- Approved
- 11/21/2025
- First disbursed
- 12/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $108K
- Est. cash at closing
- $148K
- Monthly payment
- $12,027
- Annual debt service
- $144K
- Cash flow needed (1.25×)
- $180K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Commercial Bank of California · Lender record →
Your business? Claim this record · Request removal
- Palmetto Quaker, LLC in Lubbock, TX — $850K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.1% variable
- Term
- 126 months
- SBA guaranteed
- $638K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- NW Pollo Loco LLC in Kent, WA — $2.4M (2025) · Summit State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 305 months
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 16 days
- Approved
- 7/7/2025
- First disbursed
- 7/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 37
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Summit State Bank · Lender record →
Your business? Claim this record · Request removal
- Rafmar & Sons Enterprices Inc in Venice, CA — $200K (2025) · Bank of America, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.44% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approved
- 9/29/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
- NW Pollo Loco LLC in Kent, WA — $2.0M (2024) · Summit State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 73 days
- Approved
- 9/19/2024
- First disbursed
- 12/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Summit State Bank · Lender record →
Your business? Claim this record · Request removal
- SONAR BIG INC in Chino, CA — $1.4M (2022) · First General Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 246 months
- SBA guaranteed
- $1.1M (75%)
- Approved
- 3/11/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 72
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First General Bank
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- Waldorf Real Estate Group LLC in Los Angeles, CA — $2.4M (2020) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.78% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 36 days
- Approved
- 10/25/2019
- First disbursed
- 11/30/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $272K
- Est. cash at closing
- $375K
- Monthly payment
- $13,988
- Annual debt service
- $168K
- Cash flow needed (1.25×)
- $210K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a El Pollo Loco? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to El Pollo Loco businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a El Pollo Loco purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Summit State Bank funds the most. DealRoom is not a lender.
- $1.8M typical El Pollo Loco loan
- 8 lenders fund the brand
- 36 days typical to fund
Buyers researching a El Pollo Loco typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.