SBA Loan Data by Industry
Default rates, loan volumes, and performance benchmarks across 99+ industries. Powered by 1,283,073+ resolved SBA loans.
Showing 99 industries
Industry | NAICS | Total Loans | Default Rate | Avg Loan | Franchise Rate | Advantage |
|---|---|---|---|---|---|---|
| Professional/Technical Services | 541 | 125,902 | 13.4% | $270K | 16.3% | -2.9% |
| Limited-Service Restaurants | 722 | 121,027 | 18.9% | $304K | 17.3% | +1.6% |
| Ambulatory Healthcare | 621 | 85,323 | 8.2% | $357K | 7.5% | +0.7% |
| Specialty Trade Contractors | 238 | 69,474 | 16.4% | $264K | 16.3% | +0.1% |
| Repair & Maintenance | 811 | 63,153 | 14.4% | $329K | 20% | -5.6% |
| Personal Care Services | 812 | 62,098 | 17.5% | $245K | 12.7% | +4.8% |
| Administrative Support | 561 | 53,535 | 17.3% | $196K | 13.7% | +3.6% |
| Food & Beverage Stores | 445 | 41,682 | 16.2% | $368K | 18.9% | -2.7% |
| Truck Transportation | 484 | 34,105 | 16.6% | $192K | 8% | +8.6% |
| Wholesale-Durable Goods | 423 | 32,821 | 17.8% | $462K | 17.7% | +0.1% |
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Professional/Technical Services
NAICS 541Limited-Service Restaurants
NAICS 722Ambulatory Healthcare
NAICS 621Specialty Trade Contractors
NAICS 238Repair & Maintenance
NAICS 811Personal Care Services
NAICS 812Administrative Support
NAICS 561Food & Beverage Stores
NAICS 445Truck Transportation
NAICS 484Wholesale-Durable Goods
NAICS 423Unlock Full Industry Analysis
89+ more industries with a PeerSense subscription.
Schedule Free ConsultationUnderstanding SBA Loan Default Rates by Industry
SBA loan default rates vary significantly by industry. Our database tracks over 1.2 million resolved SBA loans across every major industry sector, giving you data-driven insights into which industries perform best and where the real risks are. Pair this data with our SBA Lender Directory to find lenders who specialize in your target industry.
The Franchise Advantage column shows how franchise businesses compare to independent operators in the same industry. A positive number means franchise businesses default less often, while a negative number means independents actually perform better in that sector. Explore individual franchise brands and their FPI scores in our Franchise Directory with 5,100+ brands.
How We Calculate Default Rates
Default rates are calculated using only resolved SBA loans (Paid in Full or Charged Off). Active loans, cancelled loans, and exempt loans are excluded to provide accurate historical performance data. This methodology ensures the numbers reflect actual outcomes, not projections.
Using This Data
Whether you're a business buyer evaluating an acquisition, a lender assessing risk, or a franchise investor comparing opportunities, industry-level SBA data provides critical context. Click any industry above to see detailed benchmarks, top lenders, and franchise comparisons. If you're looking to buy an existing business, check our data-backed marketplace.