ScorecardWorth It?HistoryDatabaseCompareDistress Signals
QSRRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 100/100

California Tortilla Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for California Tortilla.

Based on 2025 FDD · 4 filings in corpus

FranchiseIQ Score
55
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
F
39/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
Unlock 10 Reports — Start with California Tortilla →Already have access? Sign in →

Cost and profit at a glance

How much does a California Tortilla franchise cost and make?

Based on FDDIQ's FDD corpus, a California Tortilla franchise shows an estimated initial investment of $444K – $837K. Reported owner economics show $52K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$444K – $837K
Total initial investment
Profit / Revenue
$52K
FDD Item 19 signal
Payback Signal
12.3 years
Modeled return metric
SBA Default Rate
35.7%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse QSR franchises →Compare similar franchises →

Quick fee read: $40K franchise fee · 7% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to California Tortilla, check the numbers buyers usually miss.

The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
Unlock 10 reports — start with California TortillaView sample report first

$19.99 one-time · Includes 10 reports · 7-day satisfaction guarantee

Total Investment Range$444K – $837K
MinMid: $640KMax

Key Metrics

Franchise Fee
$40K
Royalty Rate
5%
Ad Fund Rate
2%
Total Burden
7.0%
Royalty + ad fund
Units (2023)
2
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
8.1%
Annual estimated return
Payback Period
12.3 yrs
Break-even timeline
SBA Default Rate
35.7%
vs ~7.2% industry avg
Median Revenue
$869K
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 35.71%
HIGH ×1
Premium Data

Unlock Full Franchise Analysis

Get cash-on-cash return, payback period, SBA default rate, and red flag details for California Tortilla.

CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
Unlock 10 Reports - $19.99

Or sign in if you already purchased

Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

California Tortilla vs. QSR Average

MetricCalifornia TortillaQSR Avg
SBA Default Rate35.7%▼9.4%
Cash-on-Cash Return8.1%▼14.2%
Total Investment$640K$380K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2010-2023). 16 loans across 6 states.

Default Rate
35.7%
High Risk
Total SBA Loans
16
6 states
Total Loan Volume
$6.3M
SBA 7(a) approved
Avg Loan Size
$391K
Per franchisee
Loan Status Breakdown
7
Paid in Full (44%)
2
Currently Active
5
Charged Off (28.7% by $)
$1.8M
Total Charged Off ($)
● Paid● Active● Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

California Tortilla vs Chick-fil-A, Inc.California Tortilla vs Loving CupCalifornia Tortilla vs Donut King

Similar Franchises · QSR

Chick-fil-A, Inc.
Revenue Only
$427K–$2.3M
Loving Cup
No Item 19
$166K–$242K
Donut King
Limited Data
$211K–$332K
Chick-fil-A, Inc.
$427K – $2.3M
Loving Cup
$166K – $242K
Donut King
$211K – $332K
Crust Gourmet Pizza Bar
$210K – $264K

Related Blog Posts

Xponential Fitness Explores Sale: What Franchisees and Investors Should Know (2026) | FranchiseIQ

Xponential Fitness (NYSE: XPOF) announced a strategic review on April 6, 2026, with Jefferies eng...

Founded 2017 - May 2024 · General
📬 Get notified when California Tortilla changes fees
Free. No spam. Unsubscribe anytime.

Questions to Ask Before You Sign

5 data-driven questions every California Tortilla franchise buyer should ask.

  1. 1.What is California Tortilla's SBA default rate compared to its competitors?Learn more →
  2. 2.Does California Tortilla disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for California Tortilla →Validation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

Explore More

All QSR FranchisesBest Fast Food FranchisesLow-Cost FranchisesCalifornia Tortilla vs Chick-fil-A, Inc.Franchises With Item 19Industry Benchmarks