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Taco Bell franchise financing options

Compare costs, fees and where to get financing for a Taco Bell.

Overall costs for Taco Bell run anywhere from $525,600 to $2,984,100. See how the costs break down and what funding options might be right for your new venture into the franchise foray.

Estimated initial costs

Our cost estimates are accurate as of 2021 from Franchise Direct and include opening fees and expenses only. The location you choose for your Taco Bell franchise may result in higher or lower fees.

Franchise fees

Taco Bell franchise fees total around $35,475, which beats out the $37,000 average for the 200 largest franchises nationwide.
Franchise Cost
Application and background check fee, per person $350 to $600
Initial franchise fee $25,000 to $45,000
Grand opening expenses $5,000 to be spent by franchisees for advertising and promoting the opening of the unit.
Estimated total $25,350 to $45,600

Equipment fees

Equipment fees total $295,000 for Taco Bell. This costs more than the $180,023 average for the top 200 franchises.
Equipment Cost
Equipment, signage, decor and point-of-sale system $200,000 to $390,000
Estimated total $200,000 to $390,000

Real estate fees

Real estate will set you back $1,341,875 for Taco Bell, which is more expensive than the average of $788,376 for the top 200 franchises.
Real estate Cost
First unit construction services $22,250 to $27,250
Optional real estate services $0 to $37,250
Real property $20,000 to $1,400,000
Building and site construction $177,000 to $1,000,000
Estimated total $219,250 to $2,464,500

Inventory costs

Initial inventory for Taco Bell shakes out to $8,500. This is less than the nationwide average of $53,119.
Inventory Cost
Initial inventory $7,000 to $10,000
Estimated total $7,000 to $10,000

Licenses and permits costs

Taco Bell initial licenses and permits will set you back $74,000. This comes out to more than $18,770 — the overall nationwide average.
Licenses and permits Cost
Permits, licenses, security deposits $74,000 to $74,000
Estimated total $74,000 to $74,000
All costs were found using the 200 largest franchises nationwide using Franchise Direct's list of more than 300 franchises, and are accurate as of 2021.

How to finance

Since the estimated total for Taco Bell is on the more costly side, we recommend following these steps to get fully financed:
  1. Go to the Taco Bell franchising website and review its financial requirements, including cash-on-hand requirements.
  2. Reach out to Taco Bell about in-house financing for franchisees.
  3. If in-house financing isn't available, look for online loans, bank loans and SBA loans to help meet the $1,754,850 estimated opening costs.
  4. Compare lenders based on amounts, interest rates and what types of personal and business credit history they accept.
  5. Once you settle on a lender, gather all required documents, including account statements and assets.
  6. Apply for financing online or in person as required by the lender.

What types of financing is available?

You have several options when it comes to financing a Taco Bell — even if the cost is on the heavier side. What assets you have available will largely determine how much you need to borrow, and which option suits you best.
  • Online loan. A number of online business lenders offer amounts up to $1 million, with some extending up to $5 million.
  • Bank loan. Your personal credit will typically need to at least be good — 670 or higher — when it comes to getting a bank loan large enough to cover a significant portion of Taco Bell opening costs.
  • SBA loan. While your personal credit score doesn't need to be as good to qualify for an SBA loan, they usually cost more than standard term loans from banks or online lenders.
Also check if Taco Bell franchise financing is available. You may be able to get some of the costs covered for less than you would with other traditional funding options.

Compare small business lenders

You may not need financing to cover the estimated $525,600. But if you need funds for other business ventures, select the loan amount, your time in business and revenue and your personal credit score to compare a selection of lenders.
Name Product Filter Values Min. Amount Max. Amount Requirements
Lendio business loans
$500
$5,000,000
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
National Funding business loans
$5,000
$500,000
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.
Fundbox lines of credit
$1,000
$150,000
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.
Bitty Advance business cash advances
$2,000
$25,000
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.
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How Taco Bell stacks up

Compare how Taco Bell holds up against two similarly sized franchises.
Jani-King Taco Bell Dairy Queen
Average Franchise fees $102,250 $35,475 NA
Average Equipment fees $4,650 $295,000 $460,000
Average Real estate fees $3,050 $1,341,875 $761,250
Average Training fees NA NA $48,145
Average Inventory fees $700 $8,500 $25,000
Average Marketing fees NA NA NA
Average Licenses and permits fees $550 $74,000 $10,500
Average Insurance fees NA NA NA
Average Admin fees NA NA $4,500
Average Personnel fees NA NA NA
Average Other fees $4,650 NA NA

Bottom line

Taco Bell franchise costs run a total of $1,754,850. Before you decide to become a franchisee, compare the total costs against industry averages. And to learn more about financing read our guide to franchise financing.

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