Clothing & Accessories
SBA loan performance data based on 23,182 resolved loans
Franchise vs Independent Comparison
| Metric | All Businesses | Franchise Only |
|---|---|---|
| Default Rate (resolved-loan basis) | 24% | 15% |
| Avg Loan Size | $138K | $184K |
| Resolved Loans | 22,508 | 674 |
| Chargeoffs | 5,412 | 101 |
| Franchise Brands | - | 140 |
Default Rate Comparison (resolved-loan basis)
Franchise Brands in Clothing & Accessories
There are 140 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 15% default rate compared to 24% for all businesses (resolved-loan basis).
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About SBA Loans for Clothing & Accessories
The Clothing & Accessories sector (NAICS 448) has 23,182 resolved SBA loans in our database with an overall default rate of 24%. This is above the national average, suggesting higher risk for SBA lenders in this sector.
Franchise businesses in Clothing & Accessories default at 15% compared to 24% for all businesses, a 9 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.
The average SBA loan size in this sector is $138K. Franchise operations in this industry have an average loan size of $184K, higher than the industry average.
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