Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
NAICS 315Independent Advantage

Apparel Manufacturing

SBA loan performance data based on 3,488 resolved loans

Overall Default Rate
23.2%
All businesses
Avg Loan Size
$375K
Non-franchise
Resolved Loans
3,488
In our database
Franchise Advantage
-6.8%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate23.2%30%
Avg Loan Size$375K$87K
Resolved Loans3,47810
Chargeoffs8073
Franchise Brands-5

Default Rate Comparison

All Businesses23.2%
Franchise Businesses30%

Franchise Brands in Apparel Manufacturing

There are 5 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 30% default rate compared to 23.2% for all businesses.

Browse 5 Franchise Brands

Explore Related Data

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About SBA Loans for Apparel Manufacturing

The Apparel Manufacturing sector (NAICS 315) has 3,488 resolved SBA loans in our database with an overall default rate of 23.2%. This is above the national average, suggesting higher risk for SBA lenders in this sector.

Interestingly, independent businesses in Apparel Manufacturing actually perform better than franchises, with a 23.2% default rate vs 30% for franchise operations.

The average SBA loan size in this sector is $375K. Franchise operations in this industry have an average loan size of $87K, lower than the industry average.

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