Does Del Taco have any relationships with financial institutions to assist franchisees?
Del_Taco Franchise · 2025 FDDAnswer from 2025 FDD Document
Agreement.
- 5.21.3 The consent given above in this Section 5.21 will not apply to the provision of formal notices under this Agreement by either party using e-mail unless and until the parties have otherwise agreed, in a pen-and-paper writing that both parties have signed.
- 5.22 Credit Cards and Other Methods of Payment. At all times, Franchisee must maintain credit-card relationships with the credit- and debit-card issuers or sponsors, check or credit verification services, financial-center services, and electronic-funds-transfer systems that Del Taco designates as mandatory, and Franchisee must not use any such services or providers that Del Taco has not approved in writing or for which Del Taco has revoked its approval. Del Taco has the right to modify its requirements and designate additional approved or required methods of payment and vendors for processing such payments, and to revoke its approval of any service provider. Franchisee must comply with all credit-card policies as prescribed in the Manuals. Franchisee must comply with the Payment Card Industry Data Security Standards ("PCI DSS") as they may be revised and modified by the Payment Card Industry Security Standards Council (see www.pcisecuritystandards.org), or such successor or replacement organization and/or in accordance with other standards as Del Taco may specify, and the Fair and Accurate Credit Transactions Act ("FACTA"). Franchisee shall also upgrade periodically its POS System and related software, at Franchisee's expense, to maintain compliance with PCI DSS, FACTA, and all related laws and regulations.
- 5.23 Uniforms. To promote a uniform System image, Franchisee shall require all of its Restaurant personnel to dress during business hours in the attire specified in the Manuals. Franchisee shall purchase such attire only from approved suppliers.
- 5.24 Incentive and Loyalty Programs. Franchisee shall offer for sale, and will honor for purchases by customers, any incentive, convenience or loyalty programs which Del Taco may institute from time to time, and Franchisee shall do so in compliance with Del Taco's standards and procedures for such programs.
- 5.25 Prices. With respect to the sale of all Menu Items, products, or services, Franchisee shall have sole discretion as to the prices to be charged to customers; provided, however, that Del Taco may establish, advertise, and promote minimum and maximum prices on such Menu Items, products, and services, subject to compliance with applicable laws. If Del Taco has imposed a minimum or maximum price on a particular Menu Item, product, or service, and subject to applicable law, Franchisee may not charge a price for such Menu Item, product, or service below the minimum price or in excess of the maximum price set by Del Taco. Del Taco may establish pricing guidelines in the Manuals and Franchisee agrees to comply with such guidelines.
- 5.26 Compliance with Laws and Good Business Practices.
Source: Item 10 — FINANCING (FDD page 31)
What This Means (2025 FDD)
Based on the 2025 FDD, Del Taco does not explicitly state that they have relationships with financial institutions to assist franchisees in obtaining financing. However, the FDD does mention the franchisee's responsibility to maintain relationships with credit card and debit card issuers, check or credit verification services, financial-center services, and electronic-funds-transfer systems designated by Del Taco. Franchisees must use only approved services and providers and comply with all credit card policies outlined in the manuals.
Furthermore, the franchisee is responsible for upgrading their POS system and related software to maintain compliance with Payment Card Industry Data Security Standards (PCI DSS) and the Fair and Accurate Credit Transactions Act (FACTA), bearing all associated expenses. The FDD also states that all new Del Taco franchisees must purchase their point-of-sale and back-office equipment and software from vendors that Del Taco designates or approves. The estimated costs for the computer system range from $59,000 to $100,000.
While Del Taco does not directly offer financial assistance through specific institutions, they do control and mandate certain financial and technological systems that franchisees must adopt and maintain. Prospective franchisees should inquire directly with Del Taco about potential financing options or preferred lenders during their due diligence process.