SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
Del Taco franchise in Arizona: what the public record shows
Franchisees of Del Taco in Arizona have taken 9 SBA loans since 1991 (average $274,555)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 16.1% is the better guide.
Loans in AZ
9
Resolved
6
Local charge-off
thin
National charge-off
16.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
11,916
statewide, all operators
Per 100k residents
157.2
national 179.9
Versus the country
-13%
thinner
Every business in Del Taco's industry operating in Arizona — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$567
Arizona, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
+6%
costlier to staff
What Del Taco's industry actually pays workers in Arizona, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in AZ | Local charge-off | Units in AZ |
|---|---|---|---|
| Quiznos | 72 | 31.7% | — |
| Cold Stone Creamery | 43 | 42.4% | — |
| Culver's | 33 | 0.0% | — |
| Jimmy John's | 24 | 0.0% | — |
| Dunkin Donuts/Baskin-Robbins Co-Brand | 23 | 8.3% | — |
| Baskin-Robbins | 20 | 35.3% | — |
| Firehouse Subs | 20 | 10.0% | 40 |
| Schlotzsky'S | 20 | 11.8% | — |
| Tropical Smoothie Cafe | 19 | 20.0% | 22 |
| Papa Murphy'S | 15 | 13.3% | — |
| Arby's | 13 | 18.2% | — |
| Burger King | 13 | 15.4% | — |
Same sector, same state, same public records — how Del Taco compares to the systems a buyer in Arizona would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing Del Taco's numbers, including talking you out of a bad deal.