PANCHEROS
Panchero’s Franchise Corporation grants franchises for restaurants offering carry-out and on-premises dining featuring burritos, quesadillas, tacos, burrito bowls, salads, rice, salsa, and other Mexican-inspired food and beverage products prepared according to proprietary recipes and procedures. The business operates under a standardized system including distinctive designs, operations manuals, inventory controls, and marketing techniques to ensure brand consistency. It targets the general public, competing with local, regional, and national fast-casual restaurant chains in the well-developed and emerging fresh Mexican food market.
Franchise Costs
5% royalty + 2% ad fund (up to 3%)
Financial Performance
Item 19 Financial Performance
Data Based On: 47 franchised restaurants in operation for the full calendar year 2025
Extracted Item 19 Section
Avg. Revenue: $1,598,867
Unlock financial performance data with full access to 1,700+ franchise reports
🌷 Spring Sale · One-time purchase · No subscription
PANCHEROS Franchise Analysis
Panchero’s has been franchising fresh Mexican eats since the mid-90s, building a loyal following in the fast-casual niche against giants like Chipotle. Yet recent system data hints at a slight pullback in unit count, even as Item 19 unveils revenue snapshots from existing operators. With SBA financing leaving its mark, does this established brand signal a smart bet in a competitive market, or a cautionary tale?
Diving into the FDD, Item 7 pegs initial investment at $754,500-$1,552,500, covering build-out for their burrito-focused spots in high-traffic areas. Franchise fee hits $30,000 upfront, followed by 5% royalties plus a 2% ad fund (capped at 3% potentially). Item 19 shines here, reporting average gross revenue of $1,598,867 and median $1,352,401 across franchised units—strong figures suggesting solid top-line potential before expenses like labor and food costs eat into profits.
System health raises eyebrows: franchising since 1995, Panchero’s peaked at 50 franchised locations in 2024 before dipping to 48 in 2025 (-4% contraction), offset somewhat by 25 corporate stores and 6 projected new units. SBA records show 18 loans averaging $328,494, indicating accessible financing but modest scale. This trajectory points to a mature brand with revenue muscle yet vulnerability to market saturation—ideal for experienced operators eyeing $1M+ sales, but riskier for newcomers amid the dip.
Analysis based on the 2026 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
How PANCHEROS Compares
Key Insights
- Higher investment than 80% of Fast Casual franchises
- Higher than average SBA loan default rate in Fast Casual
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
PANCHEROS Current | $755K – $1.6M | $30K | 5.0% | 48 |
| Tropical Smoothie Cafe | $300K – $721K | $35K | 6.0% | 1,371 |
| TROPICAL SMOOTHIE CAFÉ | $300K – $721K | $35K | 6.0% | 1,371 |
| FIREHOUSE SUBS RESTAURANTS (UNIT) | $405K – $1.6M | $20K | 6.0% | 1,249 |
| Zaxby's | $1.4M – $3.8M | $35K | 6.0% | 826 |
| Qdoba | $548K – $1.3M | $40K | 5.0% | 652 |
Fast Casual Average 107 franchises | $529K – $1.2M | $39K | 5.6% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 107 Fast Casual franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2025)
Outlets by state across the United States
Unlock location growth data with full access to 1,700+ franchise reports
🌷 Spring Sale · One-time purchase · No subscription
SBA Loan History
Historical SBA 7(a) loan data for PANCHEROS franchisees (2010 – 2023)
Loans by Year
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
18 SBA loans on record
Unlock SBA loan history with full access to 1,700+ franchise reports
🌷 Spring Sale · One-time purchase · No subscription
Franchisee Contacts
54 franchisee contacts on file from official FDD filings.
54 Contacts Available
Unlock all PANCHEROS franchisee contacts with verified contact information
🌷 Spring Sale · One-time purchase · No subscription
Due Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Unlock due diligence reports with full access to 1,700+ franchise reports
🌷 Spring Sale · One-time purchase · No subscription
Frequently Asked Questions
The total initial investment to open a PANCHEROS franchise ranges from $754,500 to $1,552,500. This includes a franchise fee of $30,000. Ongoing royalty fees are 5.0% of gross sales.
Download PANCHEROS FDD
Complete Franchise Disclosure Document — 2026 filing.
Best Value — Save with Full Access
- Access the full database of 1,700+ franchise FDDs
- Franchisee names, phone numbers & locations
- Revenue data, fees, investment breakdowns
- SBA loan history & default rates
- Litigation, bankruptcy & due diligence data
- Pay once, access everything forever
Download PANCHEROS FDD
Complete Franchise Disclosure Document — 2026 filing.
Best Value — Save with Full Access
- Access the full database of 1,700+ franchise FDDs
- Franchisee names, phone numbers & locations
- Revenue data, fees, investment breakdowns
- SBA loan history & default rates
- Litigation, bankruptcy & due diligence data
- Pay once, access everything forever
More Food & Beverage Franchises
Subway
Food & Beverage
MCDONALD'S
Food & Beverage
DUNKIN'
Food & Beverage
DOMINO'S PIZZA
Food & Beverage
Burger King
Food & Beverage
AFC
Food & Beverage